bubbles, we'll just ahve to talk sometime. i hear all what you're saying and all that theac wants to say. you do have to have a balance, but what I'M worried about the most is that you aren't doing anything to help your situation. i think the number one thing that you could do right now is look for a better job. i think it's just great that you got out on your own. this is the next step. it takes time to build up your life, but it does take some work on your part, too. remember that this should just be temporary, whether it's your apartment, or no cable, or working two jobs...you can take steps that aren't necessarily the most desirable to get where you want to go. and sarcasmo's suggestion is not bad...you can have a great social life while bartending or something..you meet people, you can have a drink, there's tv, and action...that would keep you busy and would take away the need for cable. if you're paying $60 a month for tv, you could cancel that, pay $10 a month for netflix, work a night job where you get out and interact AND make some money...you're cute and would do well at a bartending job, i'm betting.
i wouldn't be without a phone, either, anymore. not being a girl. and no one is oging to change my mind about that. but what you HAVE on your phone can be changed. are you using your phone excessively? do you have loaded features you pay for? are you on the most basic plan you can be on?
and with car insurance -- make sure you have coverage you need and not excess. for instance, i don't cover my car at all if it gets damaged in a wreck. my car's not worth anything, and i'd rather keep the money in my pocket per month than pay for what they might cover one day...by then, i'll have overpaid the value of my car. make sure your coverage isn't too large or too small. i pay $350 every SIX MONTHS for insurance. that's not even minimum.
and do you use coupons? do you shop clearance/sales? i know so many pointers and tips it's not funny. i don't work, but my job is to save every penny of spange's i can...it takes some time and effort, but you wouldn't believe all the money i've saved over time. it's crazy!!
YOU CAN DO THIS-- it takes practice and determination...and one day you'll be laughing (like we all hope to do) about how poor you were way back when.