<prompt> Human: This is a throwaway account but anyways, heres a little about me. Im 23. I make 22 an hour. No student loans, pursuing a marketing degree that my job is paying for. I work full time 40 hours a week and have a second job making 35 per hour but that is part time, only about 10 hours a month. Currently here are my bills and debt :Rent : 884Car loan : 327 Insurance : 160Minimum Credit card payments : about 300Internet : 50Electric : 80Cell phone : 50 I only have about 2000 in my savings account. I owe 11,000 left my on my car loan with a sky high 14 interest rate. I have about 6000 in credit card debt as well. My credit score is terrible at 570 and I got a tax lien on my credit report so I cant even qualify for a debt consolidation loan. I already wrote the IRS to have the lien removed since I paid my taxes but that will take awhile. I didnt have parents to properly guide me financially so I made stupid decisions once I turned 18 but Im trying to turn my life around but I just feel stuck. Any advice?  <response>: You should be bringing home about 2500 a month with your full time job and have about 1000 left after your bills. You didnt include water, food, gas, clothing, but these shouldnt be more than 700 a month. You need to start a detailed written budget, tracking every dollar that you spend and where you spent it. If you want to make drastic changes, get a 3rd part time job, and a 4th. 