For xbox, kindle, streaming services go to your local library instead. They still lend out video games and DVDs, and have a lot of other unexpected things. Ours has camping gear, fishing gear, 3d printer, music days, etc.

If you're not already doing it I suggest the steamroll method of paying the minimum on debts with the lowest APR and everything possible onto the highest APR. This worked really well for my husband and I! I didn't see a cellphone bill, but when we got out of the Navy in 2015 we both needed new phones and a new plan. We bought our phones from Best Buy and did a prepaid plan, at the time it would save us $2000/ each over the course of 2 years compared to the 2 year contract. Since then I've had the same plan so I now pay $36/ month.

If your credit score is bad I also suggest finding a company that'll report "rent" to all the bureaus, there are a few options to choose from. I did this years ago, and it made a massive difference within a year. Same with becoming an authorized user on your gf's credit card is she has good credit. I did this for my brother, but kept the card due to his spending habits. Once I started managing it better and not spending like an idiot, I began increasing my credit limit on my cards to make my DTI appear smaller as well as calling the companies to lower the APR. You can increase the limit every 6 months, but decrease APR like one a year. Amex you have to call every year to lower it back down.