I've never understood why anyone on a budget would be smoking-It's so expensive! Anyway-I applaud your desire to quit & support you 110%. I believe smoking is the root cause of my previous husband's death & the habit just drives me crazy. I hope you can quit easily again, ease into your new job & start saving for your goals. Insurance is probably cheaper on your Mom's account than striking out on your own-they really ding young drivers. Also, can you drop any of the extra's on your phone contract w/out making it longer? Hope things get better for you soon.