<human>: Can you provide a brief rundown of the text in within 3 sentences?

Hello! first time post

Same old story, I made some bad decisions in my late teens (x2 credits cards totalling $4000aud) Have $1000 left to pay. A car accident wrote off my car in 2012 - purchased a new car on a loan for $12k. Have about $9000 left.

I earn $69k AUD a year. 

my expenses are as follows:
$350 a month loan
$50 a month credit card
$1195 rent per month
$80 internet (live in AUS only reasonable plan no contract high data)
$100 a month on phone (paying off phone + insurance)
$250 a month on food - eat pretty heathily
$106 a month gym membership
$80 a month petrol
$60 a month train tickets
$300 (approx) a quarter on gas, water, electricity.

Things i have done to cut down costs effectively:
- never  buying lunch at work
- walking to train station
- going out once a month

I should note; i am taking a trip to europe shortly - i know its not financially responsible but a few personal things have happened in the past 12 months and i desperately needed  holiday and to 'live' for a while (first extended break from work life in 24 mths)

I managed to save $7k for this including spending, accom, all transport.
<bot>: I am asking for help to budget, to be smarter with each paycheck, the best was to eliminate my debt and tips on not incuring more.