IWTL Better Money Habits and How to Build "wealth"

Im going to be honest: this is the first of several posts Im probably going to make because I am trying to figure a variety of aspects of my life out.

Like most people who didn't grow up around financially literate adults, I made some not great financial choices in my 20s. Spent too much and saved little if anything. My current debt is fairly small but surprisingly tough to manage.

I have a loan that I am paying down for about 3000, at 200 per month, which I had to get refinanced for breathing room while my partner wasnt working, and an accident that I got into that Im also paying for that totaled 20k, at 200 a month. For some reason, that 400 goes sorely missed to the point where I even with what I gross: About 2800 monthly, my other expenses that I can't get around like transportation, rent, etc, just eats up all of my money. Pair that with student loan repayments and the cost of living not budging and it gets rough.

Ive made some positive steps. I used to have a LOT more debt from other loans and most of it is cleared besides the one that was refinanced. Ive stopped most unnecessary spending aside from the rare $30-$40 lunch or dinner. No new clothes shoes or money toward my hobbies in some time.

I just dont know how to get out of the debt pit so I can start saving, investing, etc.