Yes!! Right across from San Francisco. Unfortunately my work was in the city, then we moved into a hybrid schedule, and now we're fully remote. I'm not sure how i did it before when i was commuting to work more frequently. it's almost a blur.

56.5% towards rent is just unfathomable :( I can't believe I do that every month. If my partner was pulling more weight in, I would probably have been able to have way more wiggle room.

I'll have to check my internet bill, I could potentially be paying for more than I need? I'll see if i can check my usage for the month. I've been spending a few days at a quiet work space here so I shouldn't really need the best thing out there.

I don't have a Sam's club nearby but i do have a Costco. $60 sounds amazing!! That would actually last my dog a few months. I'm also going to have to check that out.

Every little bit helps so i appreciate your feedback so much!

Thank you so much! I found the flowchart from the wiki earlier this morning and ended up working myself up by trying to figure out which method of paying down debt I should follow :( from everyone's comments it sounds like going by interest rate will be my best bet!!

Thank you so much! This is really great advice. I get so overwhelmed sometimes that I find it hard to figure out where to start. With this plan I'd be able to pay my dad back by the end of the third year or so if not earlier. Once I'm able to find a way to increase my income or reduce it, i can manage throwing more money in as it comes.

He insisted on helping me, and I'm ultimately so incredibly grateful. I've never gotten help like this so I'm anxious about making the smartest choice! All he asked for this year since giving me the money was to buy a plane ticket to see him, I plan to surprise him soon.

I do budget every month yes! But it feels like there's more money going to where it really shouldn't. I live in the East Bay so unfortunately most of my money goes to rent, which is increasing again in January after increasing last year as well, it's why im planning to move :( Its a whopping 2350 coming soon(no utilities) and that's very above my means which isn't cool. I currently live with a partner who hasn't been contributing much and adding to my costs this past year, and we are planning to separate for personal reasons. Ideally, my goal is to move as far away from the city as possible!

My bills roughly at the moment:

Rent- $2350 including utilities here

Phone - $60

Electricity - $65

Internet - $70

Gym - $50.99

Car Insurance - $108

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Car Loan - $257

Personal - $160.98

Private - $75

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Groceries - $400

Gas - $120 a month now

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Dog

Tracking Collar - $17.60

Flea and Tick+Heartworm - $20

Savings - $50

Food - $90

That's roughly $3,895 in expenses monthly. It's horrible. I take home $4160 a month. With partner contributing since January $500. That leaves me with $765 monthly to put down on debt. I leave myself roughly $300 a month to play with. I've been rather strict in order to get my car loan down further and that's when my dad offered to help me out!

I believe with a roommate or living in a studio apartment i should be able to reduce costs somewhat, as well as groceries. Alone i spend around $150 a month for myself!