<prompt> Human: I am so crap with money I dont even know where to begin. First of all, my wage is 750 a week. I have a car I have been paying off for the past 2 years, and have 2 more years to go. I pay 108.88 a week off this car. I live at home and pay 50 to my Dad for rent. I do buy groceries for my granny flat. I work 45 minutes away by car, and have started catching the train to work as driving is eating my money.I want to save for a place of my own but every time I think I am on top of things, another bill comes in I didnt realize was due or a doctors appointment I didnt remember and now I have a 260 bill thats going to go on my credit card.Can someone please help me out, I am so worried.Assistant: Post your assets and liabilities and monthly expenses.Human: Wage - 750Weekly expenses: Car - 108.88 Public transport - 61 Lunch - 30 roughly Rent - 50 Credit Card - 100Fortnightly expenses Union - 12.00 Health insurance - 35Monthly expenses Phone - 100 roughly Car insurance - 92Assistant: how much do you owe- at what rate and to who?Human: I owe around 11,000 on my personal car loan its a 2.5 percent loan 700 on my credit card. Assistant: I show a surplus of 372 a week. Where is all of your money going? you should be able to pay off your credit card in 2-3 weeks.Human: I really dont know : Probably extras, like food and general crap I dont need.  <response>: There is the answer to your problems. get yourself on a strict budget. Pay off that credit card, then snowball the money to pay off that car. You could be out of debt in a year. 