<prompt> Human: 1,000 in the bank, Baby Step 1 complete. Started Baby Step 2. I paid off my first credit card a few months ago and it felt GREAT knocking off that first debt, but I have several others. Ill divide them up into the ones that are not thrown on my credit report and the ones that are:Debts that are active and NOT thrown on my credit: My car loan - 9,000ish My student loan - 15,000 Total 24,000Debts that ARE not active and have been thrown on my credit: Lab results for the doctor - 68.25 Psychiatrist payments that accrued - 300 Phone from Verizon that I never paid - 500ish That time I went to the emergency room for pneumonia - 652 2nd and last credit card - 1,500 it was 5k but they keep sending letters to settle it for this amount Total 3,020.25My tax refund I should be getting is 2,173. I make about anywhere from 100-150 a week part-time because I go to school full-time dont pay for rent luckily, only have my car bill plus gas and phone. My return was accepted on the 5th but I keep going over all these things I really want, and I need encouragement, I guess, because I need to determine what I actually need vs. what I just want. This 2k refund is driving me insane and I havent even received it yet.Things to buy once I get my state refund: 18 - Sunglasses I really do need new glasses, and these were the cheapest ones I could find. 30 - Phone Case Really inspiring phone case, would motivate me a lot. 50ish? - New Shirts All my shirts are getting old, time to get a few new ones, and I dont plan to buy a lot. 150 Top Retainer I have the regular metal bottom one, but my old roommates dog chewed up my top one so I had to replace it, I ended up getting a plastic top clear one because it was cheaper that is annoying as hell and every night its uncomfortable wearing it, which makes me not want to even wear them sometimes, so I want to spend 150 to get the normal metal top one... it was 4-5k for my braces and straight teeth so I think this is worth it... 360 - To return back to my mother who holds onto my student loan money I was given for school this current semester, I had to borrow a bit for my car because I fell behind. I have to pay this. 225 - Amazon. Shower curtains. Mask and outfit for costume for Comic-Con. A few books. An automatic dash camera for my car that Ive been wanting to get for a possible emergency. 50ish? - Money for blinds that my cats destroyed. My mom is making me pay this. 30ish? - Wok skillet. I cook a lot of stir fry and need a Wok skillet. Would save money in long run because I could make more lunchesdinners at home. 50ish? - Various things I need at Wal-Mart. Night lights. Batteries. New pillow. Condoms just got a new girlfriend recently, dont want a baby! 99 - Wordpress premium to keep my domain name. Im a writer and I blog a lot. I have two books out but they dont sell self-published. Its 99 for a year. Dont really have to have this, but I do plan on publishing my 3rd book soon so I might want it. 75 - Comic Con ticket. Ive been many times, but my new GF has never been. Im nervous about her going alone, as she intends to go for the first time this year... and it would be fun to go with her... 100 - Money to set aside to spend on Comic Con you cant go to comic con without having money to buy stuff... but then I saw this 125 - My first art piece of art. I recently discovered Society 6 and found the most beautiful painting I have ever seen I dont know, it makes me feel a certain way and I want it so bad. Total 1,362. Thats over half of my tax refund assuming I get it all. The rest I would put towards my debt snowball, and Im not sure if I should pay mini debts on the ones that are thrown on my credit or if I should pay the ones that are active first.Which should I toss out? Which should I keep? Should I tell my GF I cant do Comic Con this year? Should I scrap the art piece, even though I really want it more than anything else? Its so hard, I want to spend just a little bit on me, but it all adds up so quickly... and Im still in debt...---TL;DR: Getting a 2k tax refund hopefully very soon, and I want to spend over half of it on a mix of debtsbillsfun stuff, needing encouragement discerning what I need and what I want. Or if its okay to spend a little on myself.Assistant: You are broke and cant afford any of that stuff. Keep 200 of it and the rest goes straight to the snowball. This terrible spending habit it was got you in a mess to begin with. I am probably doing the wrong thing by enabling you to keep 200 of it and not throw 100 of it at the debt. YOU ARE BROKE!!! There is no fun until you get back on your feet. You need to find some more income ASAP. Spend the time you are doing writingblogging and go get a real job that will guarantee you a paycheck since the writingblogging isnt producing. You can do those things once your back debt free and use it as fun money but for now you need to use your time to get the best return of as possible.Sorry if this sounds harsh, but just trying to be real and upfront with you.Human: and the rest goes straight to the snowballDo you mean the current active ones, so my car bill first, or all of them in general, like the cheaper ones too that are old?  <response>: I would pay your mom back first, get the retainer, and then start paying off debts that havent been defaulted on. Starting with the car loan, then the student loan, and then everything else. You may need to sell the car as well and buy a car under 3000. 