I've never had student loan debt (duh, I'm a bartender/server, LOL), and have paid cold hard cash for most stuff in my life. If I didn't have it in my pocket, it didn't exist.
That's how you've gotta get down to things. DO NOT buy groceries for the week unless you have plans for them. Spend some time every day or every other day buying your food TO COOK. Don't eat out. I can tell you that honestly. It will kill your plans to get ahead.
I'm not kidding. Plan meals, even if it's Ham Helper, use your leftovers. Find something to do with everything in your kitchen. Keeping the big things (food) small will help you.
~My mother hates that I never had a job that had "benefits"...I never had kids, so eating free kept me out of her apron, so to speak. Store brand peanuts are just as good, etc. Get small things manageable, and the big things get smaller.~