Sage

ok... Where's the "frivolous things" on that list? Cars are important, he's already had the braces, so you can't really "drop" that, insurance is really important, and cell phones are too.

What I would recommend first is looking into getting a cheaper insurance policy and cell phone. My insurance is $500/6mo with a $250 deductible and 20% co-pay. Do you really get sick/go to the hospital/doctor enough to justify having a low deductible and co-pay? If not, that's one way to save money. Also... what in the crap are you doing with your cell phone that makes it worth $80 a month? Unless it wakes you up with a blow job every morning, go find a cheaper plan!

Using the money you save by toning down your cell and insurance bills, start paying extra on the car and the orthodontia. The sooner you get those paid down, the better. I know you're all jumping at the gun to quit your job and go to school, but it SUCKS HUMONGOUS MONKEY TAIL to have to work AND go to school. Get as many of your bills out of the way as you can BEFORE you go to school full time. Now, that's NOT saying you can't take classes now. Take one or two night classes just to see if that's really where your heart is- just relax! When you're thinking about making a transistion like this you want to take it slow and make sure all your bases are covered.

You can totally quit your job and go to school. You can also totally get another job. Each option requires planning and thought, however, because you're an adult now and have got bills to take care of. Good for you for being responsible about the whole thing!

__________________