Best first year financial plan at Spirit is to drop everything possible and get a second job especially if you already have enough SIC in your logbook for a reasonable application somewhere else.

Even in the summer, a first year FO who watches red/green daily can usually drop at least half their schedule each month. That frees up a good 20-25 days/month for a job that pays better, like maybe wal-mart greeter, McDonalds, or pizza delivery. Sign up for Uber so you can get paid to/from the airport too. Pretty sure McDonalds doesn't track 29/7 when you ask for overtime.

The month before your first PC go ahead and actually fly so you'll remember your flows in the sim, but that's the only trick to it really.