<prompt> Human: Hi everyone, new to this subreddit. I basically would like some advice on how to budget my money so that I can live comfortably within my own means. Up until now Ive been absolutely horrible with money and finances. I have no bank account or debit or credit card because of my bad money management. I have s credit score of about 400 because of defaulting on credit card payments when I was 19 and I owe Wells Fargo and PNC money. I also have an assortment of unpaid hospital bills and probably more debt I dont even know about. I would love to hear from anyone how I should begin to repair my financial situation. Also I would like a safe beginners guide to investing my money in order to have a stable secondary source of income. I know nothing about stocks or trading or commodities or bitcoin or anything really. Any advice or help with my situation will be greatly appreciated! Thanks!  <response>: Your efforts would be better spent on trying to increase income and paying off debt rather than investing right now. Look into Total Money Makeover andor Dave Ramseys baby steps...I think it would help you. 