I would say your #1 debt to get rid of needs to be that payday loan. Do not get anymore of those loans no matter what - you will never get out. Have you checked out their interest rates? I agree that you could eat cheaper, get a roommate, and don't understand the gas and electric bills you pay. I am assuming you live in an apartment. I also live in a house and only pay $210 in gas maybe 4 months a year - the rest of the time it is like $20. You don't need to heat a house when you are out at work, and you don't need to have it on high when you are sleeping.

And frankly, I would say, don't worry about fun - maybe you should think about a 2nd job. I don't mean to be mean - but if I made $60,000 I would be in heaven.

STOP THOSE PAYDAY LOANS! PAY THEM OFF!

And I am gonna be blunt - you can't afford an engagement ring. You are already living too way beyond your means. You need to worry about getting in control - not getting engaged.