<prompt> Human: So I need some help, PF.Im currently in a pretty bad situation debt-wise, and need some help trying to figure out how to get on top of this thing. Im already aware that Ive probably made some bad decisions, so please dont chastise me too much on that count. I did screw up, somewhere along the way.My primary job is working 8-5, 40 hour weeks, bringing home around 23520 a year before taxes. I have great benefits there, including already paid-for health insurance, dental, and vision. I also have a 401k set up, my employer will match up to 5 of my contributions. I live here, so there is no daily commute for me.Rent is fixed at 675mo. I have a monthly car payment of 388 around 19k financed, and car insurance of 220. My car insurance is extremely high as Im under 25, have had no previous insurance, and am a new driver. I have a monthly personal loan payment of 149 financed 2500, interest rate 32 O_O. Monthly phone bill of 78. I managed to completely pay off my secondary credit card, however my primary card with Wells Fargo holds a balance of almost 1500 with monthly payments around 70. Im spending next to nothing in groceries, and scrapping by with what I have. My car is a hybrid so Im spending no more than 40mo in gas.My part-time job was seasonal, and my season concluded this past week. Its obvious that I cant stay afloat with just one job now, so I have already been looking for another. Someone suggested driving for Uber. From what I understand the majority of PF pushes for cash cars, instead of financing. The selection where I live is awful, and I looked for months before biting the bullet. Public transportation is not available here, so that also sucks.I guess I just need a fresh mind to help me go over this, and figure something out. Im so stressed from trying to process this all that I feel like Im just stagnant right now.  <response>: Youre making very little money. Your car is too expensive for your income and your past spending is harming you.You need to either make more or live a rice and beans diet until you pay off your existing debt. Theres no easy answer. 