<prompt> Human: Im a 22 year old male and Im in college but Im heading home for the summer. My parents normally pay all of my rent and insurance and all that. The only thing I pay for is food, gas, repairs on my car, utilities and thats about it. It seems that every time I get a paycheck it always just disappears and I am not quite sure why Im struggling so much to get ahead or save any money. Over the summer I am going to be living back at my parents place and hopefully working 40-50 hours a week. But the downside of this is I need a new car since the one I have now has tons of issues, and only gets 13 mpg. I have a credit card that I normally make minimum payments, but I havent been able to afford the payment this past month, right now its sitting at around 750 and my limit is 700. I also was just informed I have around 150 dollars due to a debt collector from the doctors appointments that I had no clue I owed money to. Other miscellaneous debts are my brother for 300 and a friend for 275. Ill be getting my deposit back from my housing which is 315. I have no idea how to live and get debt free with a budget.  <response>: If you dont know where your money is going, then it sounds like you dont have a budget... 