<prompt> Human: I have 20 cents in my bank account,70 cents in the other, 50 dollars in my pockets for these contact lenses I have to pick up tomorrow and 63 on a credit card to my name. Im 21 years old, my mom didnt have much money raising me and my siblings but she did her best to give me what i needed, she really kind of spoiled me even as a single mother. It really didnt help, I dont blame her for my terrible money managing skills as I dont like blaming anyone or anything for my problems anymore. Im grown now and take full responsibility for the stupid ass decisions I have made. Well Im in a sticky situation right now. I have a 365 payday loan out right now due tomorrow, I had some issues with my car, phone broke, speeding tickets and other bs all just kind of just hit me all at once in the span of a few weeks so I started taking out pay day loans, the thing is Ive been bouncing from shitty job to shitty job in the past couple of few months. I finally have a stable job now kind of where Im supposed to get 30-40 hours a week with 10 an hour. I dont get paid until December 6th though and I dont think itll be a good check either. Im scared to death. The payday loan place says they can automatically take the funds from my bank account, which has NOTHING in it. If you made it this far in my terribly written post PLEASE PLEASE NEVER TAKE OUT A FUCKING PAYDAY LOAN, grab some lube if you do and bend the hell over the financial ass fucking thats in store for you, I dont get how theyre legal. On top of that I have other bills due that I been pushing back and Ill keep calling to update them on my financial situation.i have a car loan with a credit union, 120 a month with 2,750 left on it. 2005 Honda accord through a credit union. pretty reliable havent had a MAJOR issue since I got it last year besides the tires needing a change once.My insurance is 200 a month, I live in florida so I dont really care trust me if you think thats a lot its not. Its Florida, nothing I can really do about it.77 phone bill. 90 due on the 28th this month though : I have one credit card maxed out to 1,000. I had a bed bug infection last year, had to get a new mattress and a bunch of stuff that needed replacing. I never missed a payment on it until this month due to the job situation.I have four other credit cards, missed 2 payments this months and last month on them.I honestly dont know what to do, I didnt realize how GOOD I had it when I actually had a stable job, I would just spend money on junk food and going out depression whenever Im sad i eat junk food, if i have 20 in my pocket and need gas in my car, Ill spend 10 on junk food and put the other 10 in the tank when Im sad.I might be missing my first car payment and car insurance bill this month, I dont wanna lose my car, Im sorry if this post is all over the place im just really sad and unprepared for the deeper hole this payday loan is about to put me in tomorrow, getting the lube ready for the big day tomorrow.Ive been thinking about filing for bank bankruptcy or debt consolidation. I know some of you guys have WAY more debt than I do and are probably laughing at me being such a pussy but please if theres any advice you can give itd be appreciated.I cant get a personal loan or any kind of loan right now since I wont have a pay stub until the 6th of December and i honestly dont think Id get approved or WANT to get approved, it might be a temporary fix but i really dont want to dig a deeper hole for myself.  <response>: At your age, youre transitioning from immaturity to adulthood . You saying your single mother supporting you didnt help is evidence of that. Would you prefer she didnt do anything for you? If so, would you be posting about how tough life is because your mom didnt support you? Id bet so. You clearly recognize the mistakes youre making, and thats important. More important is that you dont make them again. You cant just say oh its because of where I live or how I was raised, people succeed who were worse off than you. As the other poster suggested, donate plasma. Dont bounce from job to job. My question is why would you bounce if youre making the same money? Stick with it and work hard. Start eating smarter. I have several friends and even relatives who lived out of their cars for a couple months so they could get back on track. Hell, I used to eat a plain baked potato for dinner when I was broke. Just be good at whatever crappy job you do and youll keep it at the least. Youre growing up, and growing up is hard..but you gotta do it. 