Cable $648

Internet $518

Personal Loan $1,536 (4yrs left)

Auto Loan(5yrs left)

Car Insurance $976

Rent $1,048

Cell Phone $1,370

Electricity $1,200

Gas $683

I'm just starting to sit down and tally up my annual expenses. This is a start for me to really see where my money is going and where I really should cut back. My annual salary is about $43k and up until the end of last year I haven't had a clue where my money has been going. I have decided this year to only purchase items that I NEED by setting aside my WANTS and MUST HAVES. LOL I currently have about $1,500 in credit card debt and anothe $1,500 in medical bills. I should have the 3k paid off on all of my debts around mid year if not before depending on my tax refund. I am very open to any suggestions/tips that anyone has on how I can cut back on expenses.