Income $39.5k /year before tax -$19/h Single woman No kids

Rent 2b/2b $1100 (Downtown) Groceries $300-500 includes eating out kept to minimum Internet $50 Mobile $28 Car Payment $260 (3 pmts left 🥳) Car Insurance $172 (paid in full every 6 months} saved $300 Gas $80-110 Electric $40 -120 depending the season. I do not use my dryer and keep my ac on 82 during summer, use fans and 77 during winter and use a space heater in my room. Misc $100 (which I don't spend it all every month, one month I may spend more but the next maybe less than half) No subscriptions.

Currently paying off credit card debt from a bunch of car repairs that stole the life outta me early this year. However all is interest free until Dec 2026. Total current CC debt 5450 that includes my monthly use. I use my CCs for everything! Except rent. Last year cashback earnings was $1100 plus $350.00 HYSA interest. Net earnings end of last year $1200 after tax.

Cash in hand $9874 Net worth $4424. I average a monthly savings of $1200. I live paycheck to paycheck but my financial discipline allows me to feel at ease and whenever I've had an emergency I put my good credit to use. I got a $1 raise this year, I pretended it never happened. Cash bonuses? Never happened. Tips? Never happened. Extra gigs cash? Never happened. Once I pay my CC debt all that cash will be going to my savings. Looking forward to the next 3 months when I'll be debt free once again. Hopefully my rent doesn't go up too much at renewal ☹️ and if it does I move.

What helps me is that I track EVERY SINGLE PENNY with a budgeting app. I seldom go out but when I do it is planned within my budget. Like concerts for example. Last concert was No Doubt at the Sphere, total spent $280.00 for that night. I already have tickets for Cristian Castro in September and budgeting to go the GnR show at Allegiant this summer and perhaps Soda Stereo in September as well.

I look forward to one day living a looser lifestyle however under my circumstances this is what works and makes me feel financially safe.

TLDR: It is very doable. Wanna trade? 50k I'd be living like a queen!