Break it down, break it break it down

So here's the break down of my expenses....(monthly necessities) electric bill avg $55.car insurance $125. Cable $120. Heating bill avg $40.cell phone $60.car note $375. That's about $770 in monthly(necessity) bills. That equal to one pay check(net) for me. Here's is the break down of other montlhy(wants/un-needed) bills....aarons $67. I leased to own a 40" 1080p flat screen if I pay it off my march 15th the tv will only cost me $400. So far I've paid $236 on it. If I can pay $174 by 3/15 the tv is mine and I eliminate that unnecessary monthly expenses. Clearinghouse furniture....I bought a bed for $329 if I pay it off by 4/16 it's mine and I eliminate that money bill. So far I've paid $140. Only $146 more to go and the bed is mine by April. That would put an extra $130/month back into my pocket. Woah! And then there's pawn mart. I feel on hard times and pawned my MacBook Pro for $300 8 months ago. Every month I pay $37.50 to pawn mart to extend my pawn loan so they don't sell my MacBook that I paid $1100 for. I need to save up the $375. ($75) interest to get my Mac out of the pawn shop. That would put an extra $37.50 back in my wallet! So right now I have $770 in necessity bills/month and $170 in unnecessary bills /month. Which makes my monthly bills $940! I bring home $736 on the 15th of the month and $763 on the last day of the month. A cool $1500/month in net income! Take away my monthly expenses leaves me with $560/month in "disposable income" NOT counting gas,groceries and bus fare! Bus fare $45/month. Gas $70 (my share) groceries $80(my share) that's $165. So I really should only have about $395-$350/month in dissolve income..depending on how much my electric and heating bill may be. Be that as it may it don't see the money!! Where the $350 at??? I'm always broke! Help me find this money y'all!!!

The beginning of a new me....

Ok so right now I'm 25. About $50,000 in debt and have a credit score if 426. I make about $25000 a yr. I'm trying to build a life with my boyfriend of 10 yrs. do I have savings??? Of coarse not! I mean all those years I spent working through college, of coarse the money was spent on clothes liquor and food. I mean everything was paid for in my life, why should I if saved anything??....says the girl who makes $800 twice a month(net) and never seems to have any money and can't pay her debts...and has a grand scheme to buy a home in the future. This shit has got to stop. Fuck it...I'm buying Quiken.