<prompt> Human: Im not sure if this is the right place to be posting this but I guess I just need to write this down, my financial situations is crap. I am currently working at State Farm as a claims adjuster, my income is okay I make roughly about 35,000 a year only been working here for 6 months. State Farm is a great employer, I dont really like working in an office answering phones all day but thats okay. Anyways I am horrible at managing my money, like really bad. I am 20 years old and well kinda forced to jump out in the world on my own on short notice. Im currently living with my girlfriend, my rent is roughly about 503 a month, which shouldnt be hard for me as I make roughly about 2,000 every month after taxes and health insurance is paid for. What Ive realized is that I have no self control, I will buy anything and everything if I want it. I enjoy taking my girlfriend out to eat, buying games and so on and so forth. I have maxed out my credit card at 1,000 and my personal credit loan at 500. I pay the minimum 25 a month but that always disappears as I am consistently over drafting my account and incurring a 27 fee each time I do so. Ive had this bank account open for 1 year and Ive incurred 1,000 in over draft fees alone, every month I have to over draft to pay bills. And recently I have been overdrafted to the point that my paycheck barely meets my overdraft amount or that I need up still being overdrafted after I get paid. Im so stressed, I have a child on the way in January and I cant seem to get myself together and I dont know where else to turn. I dont think anyone can help out as it is something that I need to figure out myself but I guess I just needed to vent. For those that read I appreciate it.Updat: I just wanted to thank everyone who has responded, honestly I appreciate the upfront responses. And your all absolutely right, I really do need to come up with a budget and I need to stick to it. I feel like the damage I have done is really holding me back, feels like Im taking 1 step forward to only take 5 steps back. Its hard to make and stick to a budget when your already over drafted and have bills to pay that will just further overdraft your account and not only that but each transaction cost me an additional 27. And I understand this a hole I dug myself into, a lot of my spending honestly has come from my own person stress with life I guess becoming an adult isnt easy. But really thank you all for the responses, it has put things into perspective for me.  <response>: 1. setup a budget. give every dollar a purpose, including saving for the future.2. Stick to your budget, no matter what.3. Live within your means. Stop maxing your card, and stop the impulse purchases. 