<prompt> Human: So this probably isnt the worst situation in the world but here it is. Im 18 years old and I am going to a community college and working at QuikTrip as a Relief Assistant Manager. About 40,000 annually. I get paid weekly 11 per hour and will work 46 hours a weeks given I dont take off at all. I experimented moving out with friends for the college experience and failed horribly so now Im moved back in with parents for now. Heres my debts and problemsCapital One Student Credit Card: 300300 used Car Loan: 4,426.26 162month Buckle Credit Card: 150350 usedPhone Bill: 125 per month. Student Loans: 1750I have -142 in my account due to a horrible confusing issue with a hotel I had a couple weekends ago that I wont bother getting into. I have 45 in savings because I had to get into my account for car issues and I also have a 100 bill. Thats it. Nothing more. Nothing less. I know I could be worse off but I definitely feel like Im in a huge hole that keeps getting bigger and bigger. I want to save more but I have a taste for an expensive lifestyle and Ill catch myself calculating my money in my bank account to see if I can buy blank but still have enough for my blank payment at the end of the month. Any advice or tips?  <response>: First I would recommend to not look at debt as a monthly payment. Look at it as a lump of money you borrowed from your future self and at the same time you pay someone for doing that.So it is not 4000 at 100 per month, it is 4000 7.9 interest.It looks to me as if you have a spending problem. You make decent money but somehow dont have any savings and even got a student loan. So to controll it, you need a budget. look at ynab or mint and look what eats your money. Then you can adjust your spending to live within your means. 