<prompt> Human: Im 23 and almost 3 months ago exactly I left a relationship where money was one of the things used as a way to deter me from leaving. Long story short, my credit score fell almost 250 points420 now and I was left with bills I hadnt paid in months.I was previously making 40kyr and purchased a car in July 2016 with an 18k line of credit at 6 interest. I currently owe 14.6k. Payments are 300mo.I pay 175mo for car insurance and moved in with my parents in order to limit rent in an expensive area. I pay 500mo for rent.I have about 4,000 in credit card debt that I am paying off as I can.I have two years of school completedno plans to return in the near future but a lot of restaurant management experience. I was offered a few decently paying jobs but ended up taking one that only pays me 1400mo for full time work as Im in training. I chose this job as an investment because within 6 months I will be making a 50k salary plus monthly bonuses and Im already in talks for further promotionsthe next one starting at 70kyr. Im driving for Lyft on the side in order to pay for gas, food, etc but it is not a steady source of income. Ill add that Im feeling a bit of regret about taking the job I did when I could have just gotten a couple of bartending jobs and made double what I am now.Ive cut frivolous spending entirely and Ive done extremely well despite my limited income. All of my bills are up to date. I know its going to take time to pay my credit cards down and to increase my credit score but Im just curious if theres anything else I can be doing to help. I know nothing about these things so Im just hoping to learn something new.Thank you!  <response>: Finances aside, its great that you are taking care of you and were able to leave an abusive relationship. That takes a lot of strength.Seems like you are working hard to figure out how to fix your finances. I personally hate car related debt and expenses. Any way to sell the car and downgrade to something simpler for both lower car and insurance payments? As you pay down your credit card debt, dont forget to also be budgetingsaving for expenses that will come down the line car maintenance, replacing a broken phone, etc. that could otherwise cause you to rely on the card again and incur more debt. 