There is some great advice in this post. If you remake your life around your poor economic situation today, when you make more money in the future (upgrade, transition, change jobs) you will be able to save money like a champ. I struggled economically for three years in the right seat and upgraded last year. I have put four times as much money in savings since I have been in aviation than all of my combined working years prior (I am 43 years old, this is my third career and in my career before aviation, my last w2 was for 96,000 and I do not make nearly that much money now). I know things are tough now, this industry is like betting on horses, but I do believe things will get better. Keep your head up.