I feel like the answer to your frozen credit card is not eliminating small creature comforts, but instead you need to make a lot more money (or marry someone who does). The trick will be to keep other spending down when you do make more. It’s so easy to grow your splurges to match your income.
I have an MFA (and borrowed 45k to get it) and as a direct result of that degree I make over 100k a year now. It’s totally possible.