What type of "bumper-to-bumper" warranty is this? Assuming it's a used car that is outside of the manufacturer's warranty, you're going to have a hard time getting the warranty company to pay out for anything. By all means try and fight them to get as much money as you can, but most of those warranties aren't worth the paper they're printed on.

As far as getting anything reimbursed for rental cars, there's probably nothing you can do there. Shops aren't required to give you loaner vehicles. It's a nice perk when they do, but you aren't owed anything if they don't give you one.

Assuming the goal here is to get the car fixed - there isn't much you can do aside from taking the car to a different shop that is capable of fixing it in a reasonable amount of time. Clearly this shop isn't interested in working on the car. Continuing to wait on this shop to get their shit together is probably going to be a waste of time that results in more financial hardship as they misdiagnose things and require you to continue paying for a rental vehicle.

No need for an app / calculator for this.

1. Set all 5 cards to make the minimum payments.

2. Get all of the interest rates (if doing avalanche method) or balances (if doing snowball method).

3. Throw all of your extra money on the card with the highest interest rate (if avalanche) or lowest balance (if snowball).

You're 24, it's time to buckle up and have some self-discipline, not "tricking" yourself into thinking you are broke.

You need to start tracking your spending and looking at where this money is actually going. Then forming new habits to avoid this spending.

Example - you see that a lot of your money is going into buying lunches, so you make a habit to prep meals for the week every Sunday. Set a calendar reminder on your phone for every Saturday to go buy the groceries, keep a list of meals you want to make on your phone - whatever helps you stick to that habit.