<prompt> Human: First off, let me say Im on reddit mobile so sorry for any typos or grammar mistakes. But okay here is the deal. I get paid roughly 700 by weekly. I had some bad spending habits for several weeks and now my account is -400. I also have a 400 truck payment along with several other bills that total to about 700 a month how can I get myself out of this hole I dug and keep myself from getting back in it?Assistant: Your biggest issue is how unbalanced your expenses are. Your vehicle payment alone is almost 30 of your monthly expenses, not to mention your other bills. If youre at the point where you have no money in the bank whatsoever, you need to drop the vehicle for either a much cheaper one, public transportation, ride sharing, biking, essentially anything but the car. While you may have gotten over other bad spending habits, you really still need to get over this one. Nothing personal, but that vehicle is way more than you can afford. Get rid of that, and you have the 400 to get yourself back into the black. Ill give you an example. My car is paid off, but myVehicle expenses gas, repairs are about 4 of my monthly income, and I dont make a lot by any stretch of the imagination. My rent is increasing in a few months due to a move, but even then it wont be near 30 of my income. What Im trying to drill in is that if something is taking up 30 of your monthly income and it isnt a necessity like rent, medical expenses, etc, it shouldnt be there if you have less than no money in the bank. Yes, transportation may be a necessity, but 4800 for a truck per year on 1400month is an outrageous expense, in my opinion. Downgrade, bike, whatever, just get rid of it. Human: Okay I understand that and Ive thought about that but I have a loan out on it. I went through a finance company to get my vehicle and I dont know exactly how to give it back. I tried once and they told me that if I did they would sell it and whatever they couldnt get out of it Id have to pay the difference. So how should I handle that?  <response>: Yeah thats how that works. You bought too much truck. 