<prompt> Human: As a result I have overdrafted my checking account, for which there are numerous fees. My credit card bill is maxed out, I guess, at about 1500 due. Ive known that I need to be careful with my money for a couple months, I keep drawing up spending plans and trying to implement them - but obviously it hasnt worked.I dont get paid until Friday. I have fees on my bank account that must be paid and an overdue utility bill, but I should have enough food and gas for this week. I feel helpless, I guess. I spend my money on food I dont need when I get boredfeel lonely depression doesnt help, or on random shit. So frustrated with myself.  <response>: first thing you have to do is to make it harder to spend. Cut the credit card, give it to your family to return it only for grave emergencies, put it into a ziplock bag withing a block of ice in your cooler. Whatever works for you.Also have some automated way to take money out of your pay and directly towards debt when payday comes. If you do have some money leftover for spending get it in cash and understand that this is all there is. When the cash is gone you do not go back to the bank acccount or the credit card.Especially for bored food spending it should work pretty well to have cash that is harder to access so that you have time to distract yourself with something else instead of going to buy something. 