<prompt> Human: I am 27 years old making 2000month as a pharmacy technician. I have a car loan, medical bills, a small 2000 student loan, 9000 in credit card debt, and 5000 lawsuit bill and the normal phone, insurance, gas bills. I get paid weekly but Im usually pretty broke most of the time and really cant put any in savings or pay extra on my bills. I am stuck at at the moment. Any suggestions would be great. ThanksAssistant: Can you be more specific about your expenses? List the amount of every one of your expenses. If you dont know where your money is going, you need to start keeping track.Human: 187 for car insurance, 379 for car payment, 100 a month for car reck lawsuit, 90 for phone, 79 on one credit card, 233 on another credit card, 132 for a store credit card, 161 for another store credit card, 560 medical bill, 132 medical bill and about 65 for gasAssistant: I reformatted your list: 500 for rent from another comment 187 for car insurance 379 for car payment 100 a month for car wreck lawsuit 5,000 total, from here 90 for phone 79 on one credit card What is the full balance and APR? 233 on another credit card What is the full balance and APR? 132 for a store credit card What is the full balance and APR? 161 for another store credit card What is the full balance and APR? 560 medical bill What is the full balance and APR? 132 medical bill What is the full balance and APR? 65 for gas student loan payment missing, 2,000 total balance grocery budget missingThis adds up to 2,618month, and you state a monthly income of 2,000 which I will assume is after-tax, leaving you with a net income of -618month.By my determination, you most of this is an income problem but there are places to cut back spending as well. For your income, is there any chance of future promotion or earnings increase in your field? Can you pick up a second job? Sell any of your belongings?On the spending side, these are the large expenses that jump out at me: 187 for car insurance 379 for car payment 65 for gas 90 for phone 560 medical bill What is the full balance and APR?What kind of car do you drive, and what does your driving record look like? Due to the lawsuit I will assume you have at least one at-fault collison. 375mo is too much car on your income, especially given your current debt load and all the additional expenses involved insurancemaintenancegasetc. How far do you live from work? Do you have any other feasible means of transportation? Commuting is expensive and especially given your situation, you should try to make any of bicycling, walking, public transportation, andor carpooling work before resorting to a single occupant private vehicle. If you are in a position to cut out your monthly car expenses andor even sell the car, you can free up 631mo of income which immediately fixes your monthly deficit as well as gives you some capital with which to pay off the lawsuit andor some of your loans.90month for a phone bill is too high. What provider are you with? Do you have a contract? Even with a smartphone, there are good options at half that cost.I listed the medical bill even though it might be the most difficult one to change. Whats the nature of the bill? Can you contact the provider and get the payments reduced until you pay off some of your other debt and free up that income?Youre in a tough spot but you can make it out. Its not going to be easy and it will require lifestyle changes, but it will be well worth it later.edit Oh, and by the way, shred your credit cards. Until you are debt-free, you are cash-only. You can also call your credit card issuers and ask for hardship programs; some may lower your payments andor interest rate.Human: All my friends and family are on Verizon  <response>: So? You can even get unlimited voice and text for less than 90, so the fact that the people you talk to are on Verizon become irrelevant. If they dont want to pay extra to calltext outside their network, they can just switch and save money too, but thats not your problem. 