<prompt> Human: Hello all,I have always heard about this subreddit but never posted here before. An overview: Two years prior to this pregnancy I left an abusive relationship. I had not worked in over 5 years, had serious anxiety and trauma, and basically got away with nothing but the skin of my teeth. Essentially I started over with lint in my pockets, and getting a job a year ago was a huge milestone for me as well as scoring the relationship I am in now. Before I got pregnant I had balances on credit cards equating to 600.00 total. It was something I could pay off easily with my income but I was paying it slowly and steadily to improve my credit. However over the course of this pregnancy between unexpected bills, a new car loan my previous car was unfit for a newborn, unexpected hospital visits and time off work, new credit cards and payments, cell bills, etc I am definitely starting to feel like Im drowning.I make 200.00 a week at my current job which I have because I have to work from home. My health isnt that great and plus the pregnancy it has been hard for me to get out and look for a second job. So I average about 800.00 a month income at the moment.Currently most of my debt is from my car loan which I can pay off slowly. Minimum payment however is 282.74 a month.Balance to pay off: 15,045.18Then I have my credit cards:CC1: Minimum payment 25.00Balance: 734.28CC2: Minimum payment 25.00Balance: 741.50CC3: Minimum payment: 32.00Balance: 905.75CC4: Minimum payment: 27.00Balance: 532.00Then of course there is my phone bill which is 124.20.I do not pay rent at the moment as my SO is taking care of that part however we both do not make very much on income and he is having to deal with his own bills as well.I am able to make my minimum payments most of the time but there is rarely room for anything else, not to mention I cant really afford things like food, etc at the moment because my credit cards are pretty full up... as far as real cash I have 27.02 in my bank account.Im in pretty dire need of lessons here, and appreciate any and all help whether critical of my spending habits or not. I definitely see where I have made mistakes and brought on way more than I can bear with a newborn on the way. The due date is in mid December and I am trying to scramble any way I can to get myself more financially stable by then. The truth is, I should have started months ago.Thanks so much for reading my post, looking forward to suggestions.Sincerely,Wendi  <response>: Before I got pregnant I had balances on credit cards equating to 600.00 total. It was something I could pay off easily with my income but I was paying it slowly and steadily to improve my credit. This is actually a pretty common credit card myth Dont do this. Dont ever carry a balance month-to-month. Build credit by making purchases on your credit card and paying off your balance in full and on time each month. 