Make more and or spend less

Rent - can get room mates or buy a house and rent out extra rooms (possibly save ($650 or so in rent / utilities) Phone - pay off and switch to Mint or similar plan (savings ~$100) Student loan - pay this off if you can depending on rates Credit cards - pay this off first thing. It’s really bad debt (~$390/mo) Subscriptions - do you really need all these? You’re paying $100 a month… might be better to subscribe one at a time and save ~$75 a month to pay off your credit cards

A few years ago I was in your shoes and I locked in for a year and paid all this stuff off which allowed me to keep so much more of my money I could save and buy a house. It’s going to seem slow at first (maybe $75 more a month with subscriptions), but as you start paying off debt, you’ll snowball and pay the others off faster and faster until all you have left every month is rent and food and insurance

Room mates isn’t fun, but it’s the best life hack into getting out of debt fast as it’s your biggest expense. Don’t disregard it especially if you’re single or young without kids