It’s pretty basic advice but the snowball method Dave Ramsey advocates for just works. It’s extremely difficult if not impossible to have multiple financial priorities simultaneously on a finite income. You have to pick one thing and attack it until it’s gone. Then roll on to the next one and repeat. Since your car loan is the highest interest it makes sense to start with that.

I understand your desire to build savings but you’d be amazed at how much easier it becomes to savw when you don’t have all kinds of loan payments to make. Remember that spending less is the same as making more so your move to a cheaper apartment (however undesirable that may be) is a smart move. Remember that these sacrifices are temporary, but you’ll never get ahead if you refuse to make them. I can’t tell you how many women your age I’ve seen just living paycheck to paycheck into their 30s because of this so you’re well ahead of your peers in that sense.

It’ll be hard but your on the right path. Be patient with yourself and stay the course. You’ll get it done