Help Jakob get caught up to save for a transition

Hello, I'm Jakob, and I'm a mostly open trans man struggling with catching up on bills so I've unfortunately had to take out some sketchy payday loans. My wife and I recently came out at the same time together so we need to start saving for gender-affirming clothing, hormones, possible SRS down the line, etc for both of us. Once I'm caught up, I plan to use the funds to pay off loans from friends as well as paying down/off the other loans I've taken out. After that, I can start using most of my paycheck for savings so we can pay for our own transition going forward.

Thanks for reading all of that, and I thank you profusely if you're able to help!