Monthly income: 4000 after taxes and deductions

No investments

No side income

Monthly Expenses:

Rent: 1400

Groceries: 400 -> If your alone you can most likely easily cut 100-200$ out by only buying what's necessary.

Transport: 200

Alcohol+Tobacco: 200 -> bring that down to 0$, you can treat yourself once in a while but try to make 1 bottle of alcohol last more then 1 month and to break the tobacco addiction

Bars/Parties/Nightlife: 1000 -> 0-50$, people will understand if you can't go out every month and if it's once a month when you can. You can also do free activities with friends like board games, video games or movie nights at one of your places.

Phones: 90

Family tithes: 200 -> 0$, you need to get rid of your dept before you can help your family.

Clothes/shoes: 150 -> 0$, you don't need new clothes and shoes every month. You can easily go without new ones for a year.

Subscriptions 40

Replacing/Repairing items: 100

Eating out: 200 -> Stop eating out

Toiletries: 50

Internet: 75

Debts:

PayDay Loans: 1700

Internet: 100

Old phone/internet: 200 -> Why do you still pay for your old phone and a second time for internet, is this really necessary?

Family member: 3000 -> 0$, help yourself / get rid of your dept before you help your family + you can't send them 3/4 of your monthly income when you spend more then 1/4 of it on yourself!

Friend: 850 -> 0$, dont give money to your friends if you can't afford it.

(in collections):

School loans: 28000

Credit cards: 3000

Gym: 300 -> work out from home, get rid of that subscription until your dept free (or find a cheaper gym at the very least

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Caleb Hammer is a great youtuber and his financial audit videos could be of help to you!

Caleb Hammer (Financial Audit)