<prompt> Human: Situation: I have 4k savings, 2.5K in credit card debt and 35 payments of 317 each remaining on a new car lease 11,095. I make a 42k a year salary approx. 2600 per month in take home pay. My rent and utilities typically add up to about 1000 per month. My dad recently co-signed on the car lease with me and expected me to keep the money I received from insurance on my previously totaled car untouched in a savings account to make the new lease payments. However, I privately used 8k of the 12k from insurance to pay off credit card debt, leaving me with the 2.5k in debt I have now. I am 100 committed to doing what it takes to make the car payments each month, but want to level set on how deep in I really am. I am terrified to come clean to my parents about the specifics of my situation and how much credit card debt I was in. Although they are in a position to help me, I would like to figure this out on my own without involving them further if possible, but the guilt and uncertainty are eating me alive right now. Any insight or tips would be greatly appreciated.-- UPDATE: I called my parents tonight and explained the situation. They were disappointed, of course, but want to help me make a plan to move forward without accumulating debt again. I plan to pay off the remaining debt with my savings and come up with a new budget that will have me living within my means. I also plan to work with my roommate to reduce our utility bills, which I now understand are too high, as well as make sure I see them myself each month. Thank you to everyone who posted.  <response>: On this sub, 2.5k in cc debt is like Dave Chappelle going to Narcotics Anonymous for smoking weed in Half Baked.From a financial perspective, you made the right decision personal decision to lie about it notwithstanding. Leave your savings intact, go on a spartan budget for a few months and throw every cent of net profit at the cc debt. You should be able to pay it off in no time and be well on your way towards getting that 8k back.The worry here is not about your financial situation, its about the fact that you lied to your parent, who then came to your aid and helped you get another car. Use that as motivation to budget like Leonidas. 