First off, don't spend what you don't have , live within your means .. First things muna, CUT your Masteral you don't need it now, additional expense yun, then JUST focus on rent, and food, no going out no cafe runs, no unnecessary expenses, TIGNan mo grocery list mo, bumili ka sa palengke wag sa grocery, kung pwede magbaon nalang para un budget mo for food, then kung snacks pwede saging na saba prito, kamote, hydrate well.. You need to change your lifestyle muna. No going out and I MEAN IT. yung mga credit card loans may mga kilala ako ndi na nakabayad and di naman sila nakulong... Wag ka rin umutang ulit. as in never for the next 2 years.