Jobs are readily available too. You may be overestimating how easily you can secure a studio in a coveted location. Plus, it is not as costly as people think. In this post , we talked about ways to save money in the winter, but another tip is not turning on the heat unless necessary. Just look for a place where you can have your own space and quiet if your roommate is on your nerves. Do it for just a couple more years, at least until you can pay off your credit card debt. And that’s been responsible for some craziness in recent years, including, arguably, the financial crisis.