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Personal opinion only, as always, but I don't think positive cashflow should be a priority at this point for you. You can afford it. Not saying you should go crazy on the -ve cashflow but a bit of -ve cashflow shouldn't be a problem for you right now. Your income will go up, and if you keep your...

How much are you saving at the moment from your after tax income? That will determine whether you can make up the cashflow (which is not as bad as you say because of tax benefits anyway). If you're not paying board, you should be able to save around 70%-80% of your net income (deduct board as...