<prompt> Human: Okay so long story short. Ive not been very good with my money. My credit is no good. My student loans are in default. I was living artistically for a while and while I had some great opportunities and worked at some incredibly high levels of the entertainment industry. At 29 Ive found myself living paycheck to paycheck. Completely ripped of any savings from my college days and with a very shaky credit history. Im not proud of it. I know Im going to catch shit for it on here and I deserve it. But I also need help, Im hoping someone out there can see that and maybe point me in the direction out of this bleakness in terms of the right moves to make next.Im working a steady part time job making 10 and hour.My bank account is currently less than 200 at the time writing this as any income I generate is eaten by bills.I work around 30 hours a week.I have a fiance and a newborn.My fiance doesnt work at the moment. She has some money saved up from a lawsuit when she was a kid. But theres not really much there either. Well I finally sold something artistically to the tune of 14,000. It know its not much but it doubles my expected annual income and helps me possibly sell more in the future but thats not something Im counting on.I have a day job and am looking for extra work now. Considering going back to school but having difficulty picking a degree to study, as my passion has always been my art and it has been very difficult to let that go.Anyway, I have this sale which is going to be coming in incremental payments of 2,800 every month for 5 months. Starting January 1st.These are payments I know are coming and will be on top of the 1,200 average Ive been making at my job.My question is how can I best use this boost in income to start creating savings, slowly eliminate my debt and still feed my family?Some Info.Rent: -875Bills: -136Phone: -80Internet: -80Also wondering about how this income is going to affect me come tax time and if anyone has any advice there?Thank you for your time.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Okay so long story short. Ive not been very good with my money. My credit is no good. My student loans are in default. I was living artistically for a while and while I had some great opportunities and worked at some incredibly high levels of the entertainment industry. At 29 Ive found myself living paycheck to paycheck. Completely ripped of any savings from my college days and with a very shaky credit history. Im not proud of it. I know Im going to catch shit for it on here and I deserve it. But I also need help, Im hoping someone out there can see that and maybe point me in the direction out of this bleakness in terms of the right moves to make next. Im working a steady part time job making 10 and hour. My bank account is currently less than 200 at the time writing this as any income I generate is eaten by bills. I work around 30 hours a week. I have a fiance and a newborn. My fiance doesnt work at the moment. She has some money saved up from a lawsuit when she was a kid. But theres not really much there either. Well I finally sold something artistically to the tune of 14,000. It know its not much but it doubles my expected annual income and helps me possibly sell more in the future but thats not something Im counting on. I have a day job and am looking for extra work now. Considering going back to school but having difficulty picking a degree to study, as my passion has always been my art and it has been very difficult to let that go. Anyway, I have this sale which is going to be coming in incremental payments of 2,800 every month for 5 months. Starting January 1st. These are payments I know are coming and will be on top of the 1,200 average Ive been making at my job. My question is how can I best use this boost in income to start creating savings, slowly eliminate my debt and still feed my family? Some Info. Rent: -875 Bills: -136 Phone: -80 Internet: -80 Also wondering about how this income is going to affect me come tax time and if anyone has any advice there? Thank you for your time. ---I am a bot. Contact pentium4borg with any feedback. 