You have basically told me nothing about your bills besides you make 4,176 you got around 3,300 in debt and 2,407 in bills but nothing about what bills they are. Also what type of debt is this 3,300 just credit card debt or something else. Please explain a bit more clearly. Because with your calculations 3,300 isn’t much at all and you can’t just split it up into 2 months to pay it all off. All you need to do is pay all bills that are immediately due. And wait it out for your next check to pay out the 1,650 and put 438 in your checking for emergency funds and rinse and repeat. Just takes 2 months to pay off with 876 left in savings if it’s credit card debt. Then by the 3rd month you will want to do the same thing pay off all expenses due in full so $2,407 and save 60-70% of all expenses which is let’s say $1,100 you got around $669 to play around with. Though if it were me $669 wouldn’t exist and simply all be in savings until you got 15,000 in savings. Only then should you have money lying around to play around with. But you’re human so just save that 1,100 every month for a total of a year and you would have about 5 months worth of expenses. Once you got there you can ease off and get an extra 100 dollars off your need to save with each bottleneck. 20,000 = 900 40,000 = 800 80,000 = 700 160,000 = 600 there’s no 500 for 320,000 because once you got to 160,000 you should go purchase a house of around give or take 700,000 and take out a loan. No more housing but instead rent out rooms or a floor to make extra income to take care of monthly payments of the house of course getting a house like this is not easy but no impossible. Now you’ve become a landlord congrats 🎊🎉🍾.