You know what......I worked full time, went to night college 3 nights a week, bowled in 2 leagues and was a single Dad. I did not set foot in my garage for 3-5 yrs, buy anything but books, pay the bills and groceries for the family. Dude your single right? If not get rid of the GF and sell everything you can, bikes included and find a cheaper place to stay. Find the nearest blood center and sell your plasma... The blood centers pay well for that! Life isn't a picnic or fair! Adapt and conquer!