How to break a sustainable (?) but not good cycle? Would please love some advice/insight
Sorry if this is the wrong sub
I'm a single man in my early 30s.
I make about $2300 every month.
I have about $625 to pay in rent every month.
I pay about $200 in utilities and phone bills and transportation blah every month.
I have about $375 in student loan payments every month.
My issue is that I got my timing f'ed up using a credit card.
I pay the credit card bill in full every month so there is no interest, but every month I have to pay ballpark $1000 for the credit card.
Depending on a few things that doesn't leave me with very much of my own money so I have to borrow it from the future by using the CC. I've been in this cycle for a while and it is fine but not good. I'd like to save.
Can anyone help me make better sense of this?