<prompt> Human: Ive always been a spender. It is, to me, one of the worst habits. I didnt have the best childhood, so I suppose when I started working early in high school I felt able to finally be able to buy stuff for myself that I couldnt ever afford. Its gotten bad. I really want to fix this, because its finally beginning to negatively impact not only myself and my future, but my family. From a mixture of different things, I have a current debt of about 3,000.00. I thought it was smart about a year ago to get a credit card, and I really dont know why. Im about 1,450 spent on a 1,500 credit line. Through my previous cellular service provider, Im behind 400. I know my credit is terrible already. And the worst? Paying off the measly 900 student loan that I owed--which I payed none of, had now put a 890 dollar hold on my stepdads bank account for cosigning. All in all, I made a lot of mistakes and have been ridiculously irresponsible. I have no money saved. I need to start saving. Im not currently in school, but am trying to work as much as I can. I just started my new job, making 9.50hr, about 28 hours a week. Im going to try and find another place for another 2 days a week and try to get in a full 40 hours. My biggest concern is trying to establish a weekly or monthly visual of what is due on what days and how much per paycheck to save. My biggest goal is to dig myself out of this hole before anything. Im just a huge mess and I dont really know where to turn. I need some advice.  <response>: The best thing to do when you find yourself stuck in a hole it to stop digging. It seems like youve made the decision to do that by posting here. That means you need to keep a budget. It means you need to spend as little as possible. Recognize that you will never make enough money to overcome bad spending habits. You have to fundamentally change your relationship with money and credit.The first thing you need to do is find more income. As you touched on in your post, getting to a full 40 weeks would be a big help. If you can get even more than that then all the better. As I said before money wont be the change that will fix your situation but it will speed it along.Next, call your CC student loan financers and explain the situation. Tell them you are considering bankruptcy, but if possible you are committed to paying the debts you owe and you would like to work out a payment plan. Make a low ball offer, saying that you can only pay 50-100 a month or something like that. They will probably ask for a little more. Get on a repayment plan and STICK WITH IT.The good news is that you are only 3k in debt. That might sound like a lot to you but its pretty small in the grand scheme of things. YOU CAN RIGHT THIS SHIP. Even at 28 hrs a week you are only 3 months income in debt. There are people on here that are like 4 years income in debt and they dig themselves out. You should consider yourself lucky that you decided to change things before that ended up being you. This time next year it is entirely possible that you can be debt free and on the road to repairing your credit. 