I see quite a bit of positive here. OK the job sounds like crap, but at least you're working. Scared of going into debt? Good! That means you have a healthy appreciation for what debt is. Planning on saving up and buying a house? Good! I'm 45 and just bought my first property this summer! Ended a dead end relationship?? Good! I've been in a dead end relationship for five years and the only reason I haven't ended it is that it suits my dead end life. Sounds to me like you're making good decisions and not rushing things that don't need to be rushed.