Dude, you just need patience with your ride. It took me awhile to get my ride clean and kinda how i want it. I have money kinda trickle in and save for what i need or pick up this and that, here and there. Shoot, yesterday i went to the junk yard and got a lug nut, replacement emblems, and that a/c delete plastic for $15. Not the best deal but its part by part. My bills sound about the same as yours(minus the college), i still work it out, have plenty of cash to spend on bad habits as well. Just some encouragement.