<prompt> Human: So I feel like Im at the end of my rope financially and feeling pretty hopeless about it. Im hoping maybe someone here can give me some advice! I work full time 40-45 hours per week and bring home barely enough to pay my bills, and not enough for groceries, medications, vet for my cat, beer, etc. I havent been able to save or pay down loans, so my credit is pretty awful. The logistics of my finances are as follows:Payday on the 15th and 30th: 850-1000 usually I make around 1900mo Rent: 528 split with my boyfriendCar payment: 261Car insurance: 128Amex minimum payment: 60Chase minimum payment: 30Wells Fargo minimum payment: 25 School loan: 40Internet: 70Electric: roughly 70 Gas: roughly 100 Groceries: roughly 200 So my biggest question is what I need to focus on first to get my finances on track, especially if my goal is to start saving and improving my credit to eventually start looking at buying a house definitely a long term goal, not short term lol. The biggest confounding factors Ive encountered are that its difficult to take a part time job due to crappy hours at my real job I work noon to 8 most days, and that I dented my car badly so I know its depreciated in value and will be difficult to sell back if I wanted to trade it in for a car with a lower payment I know I shouldnt have gotten an expensive car in the first place. Ive made some poor choices. Where should I start??  <response>: Im showing about 1550 a month in expenses. If youre bringing home 1900 a month, that leaves 350 to pay down your credit card debt. Pay it off biggest interest rate first and then put the 350month on the next highest interest rate. When you get all your credit cards paid off, start dumping the 350 on your car.Im sure you know now that youre living a lifestyle that you cant afford. Time to dial back. 