<prompt> Human: OK, so my situation. 28 yr old, no kids. Income: 1750mo net It is usually barely over 2000 net after overtime but I like to budget with noneMonthly bills 490 Rent 460 CarInsurance 260200 250 Loan From Family 1400 left 40 Misc InternetElecetc Total 1240That leaves 510 for food usually in the 300-400 range and gas I dont drive a lot, like 30mo. I also do go out occasionally with friends, maybe once or twice a month, which just about finishes my money. So far, its kinda simple. Im not saving anything for now, but Im not at risk of missing bills. Im capable enough at planning to always have my bills money ready. My ProblemsFirst things first, my car loan is bad. Really bad. My credit is was? horrible and I had to accept an absurd rate in order to get a car from the one place that didnt immediately turn me down. The car loan itself is only for 6000, but I desperately need to refinance at some point. I can afford the current payment, but this is an area I can make a major improvement in. The problem is Im not sure how to go about that. I talk to my bank every three months or so to see if theyll give me a loan the car loan is not through them, but so far its been all no. Ive had this loan for nearing one year, all payments on time.Additionally, I have two major negative marks on my credit. The first is an eviction from 2009. I owe nearly 8k here. My general plan is to just wait this one out, since I cant ever hope to pay it. I dont know the rules here though. Do I need to do anything once a certain amount of time has passed? There was a civil judgement against me, I dont know ifhow that affects this. Ive been scared to call anyone or talk to anyone about this since I dont know what counts as resetting the clock. I know not to give them any money at least.The other thing is a 2k medical bill from a number of years ago, but it says right on my credit report this goes away May 2017, so thats an easy call here too. It worries me that my eviction doesnt say when it goes away though.My car insurance is high too, but short of saving enough to buy 6 mo at a time, I cant get better rates currently.My Current PlanMy plan right now is to pay off my family loan first I know it has no interest and should be low priority but its not. This will take 6 months well, 5 after I pay this month. Then Ill take that 250mo and accelerate my car payment til its finished. Ideally, Ill be able to refinance to a reasonable rate at some point. Ill also keep trying to find lower insurance costs and roll any money I save there into my car payments also. If Im unable to refinance or lower my insurance costs, the car should take about 2 years to pay off, I think.And... thats it. Thats then end of my plan. I dont know what to do about the eviction. I dont know what to do about not having any savings, other than dont get injured or fired. I do spend time looking for better jobs, but find very little.I guess Im looking for any advice at all. Am I kinda on the path to fixing things? Way off base? Im open to criticism.  <response>: You say you dont drive a lot 30 in gas I know it seems kind crazy for most people, but not everyone needs a car. Can you walk or bike to work? Sell it and you save almost 500 a month, bonus get in a work out everyday - stay in better shape - less medical bills. In the rare instance you absolutely need a ride, get an Uber. Use 500 dollars per month you now dont have to pay to crush debts. 