<prompt> Human: Some info:I live in NYC with a roommate my portion of the rent is 925monthand I make 60k a year thats without my annual bonus - which, this year, was 11k. I currently have no savings and my credit card is maxed out at 2,300. Each paycheck after taxes, 401k, benefits is 1600 bi-weekly and I currently i have -790 yeah, thats negative in my checking account. Each month I pay 250 in student loans and another 250 ish in utilities electric, cell phone, cable.Anyone have any type of advice to get me out of the red and not having to live paycheck to paycheck with a negative account each time? Any budgeting tips and tricks would be supremely helpful, I dont know where to begin and its just getting worse. Thank you in advance! EDIT: Thank you all so very much for your responses. I have no one to blame other than myself and I am committed to turning everything around. Ive put myself on a 3 month plan and will stick to it. I now have a starting place and will stick to a budget envelope method will work best for me. Thanks again!  <response>: Follow the Wiki on how to handle money, which starts with making a budget and sticking to it. 