<prompt> Human: Hey guys- I need serious help. I left my higher paying job for a stable but lower paying job in an industry I prefer. Of course I have bills that I now dont make enough to pay. Unfortunately as a 19 year old I thought credit cards were the way to go. Every month I have 3 credit card payments, the minimum equaling 85. I have 569 in rent, a cell phone bill of around 125, water and electric which equal about 100 together, and Comcast at 66.69. My insurance is about 62 . I own my car. I also have quite a few bills in collection. How can I save money, when all of my income is going to current bills? I make 10.50 an hour at 40 hours a week. After taxes every paycheck is 697.10. Any advice would be great. Thanks in advance  <response>: Im assuming you get paid biweekly? Income 1394.20 Fixed Expenses - 569.00 Rent - 85.00 Credit Card - 125.00 Cell Phone - 100.00 Water Power - 66.69 Comcast - 62.00 Insurance --- - 1007.69 Total Fixed Expenses --- 386.51 Discretionary IncomeWithout the rest of your expenses, its hard to go much further, but I can tell you right now--switch to a cheapo, 30month Cricket-style phone plan, and ditch cable if you havent already. Maybe find a roommate? 