First pay of the month: $1320 - 170 car payment - 150 Visa (canada) - 100 Mastercard (canada) - 100 Ikea (canada) - 350 student loan - 50 visa #1 (usa) - 100 visa #2 (usa) - 40 cell phone - 50 Overdraft (canada) ======= $210 $1320 - 170 car payment - 100 loan from mom - 475 rent - 95 electric - 30 gas - 75 car insurance - 30 renters insurance - 10 netflix - 100 visa #3 (usa) ======= $235