<prompt> Human: Hello everyone. Im a 26 year old machinist who works nights. My annual income is roughly 43k a year before taxes. My current situation is a stressful one. My parents recently got a divorce. My mother who I live with won our current home and is entitled to roughly 7k a year from my father. For the next ten years. Currently her lawyer fee is 35k. Which means in currently paying for everything. The car insurance, electricity, gas, Internet, cellphone. Luckily the mortgage is payed off but I also have credit cards to pay off as well. I roughly make 1200 bi weekly but most of that money is going off to finish off paying for appliances that had to be payed prior to the divorce. On top of all the utilities and property tax which is 3k a year. Im currently in a panic because I feel like Im going to paying all these bills my entire life. Im down to 500 in checking. I have a decent amount in savings but I have no idea what to do with it. I would like to invest it and see some growth but i might have to take it out and place into checking.I also have medical bills that I have to pay. I attempted suicide last year that left me hospitalized and even though I have insurance, it covered very little of it. I also have psychiatrists and therapists that I have to see and three medications I have to take that are costly as well. I feel like transferring all that I have to my mother and just ending it all. Constantly thinking about these bills, lack of any relationship and stuck in a job that Im not even good at and or like. I have no idea what to do and have no idea where to go from here. I just want to up and call it quits. Assistant: Breathe!Its Just Math.Can you break down the bills you pay for you and your moms living expenses?How old is Mom?Human: Mom is 50. Still works but her schedule is flexible. She works in a day spa and sometimes she makes a nice amount and sometimes she doesnt. Internettvphone 215.00a month. RoughlyCellphone for family plan 280.00 a month Gas 120.00 a month. Due to winter seasons. Will go down to 70 in the summer. Electricity 168.00 a monthAppliances 2,000 left to pay off. 100 month minimummy personal expensesCar insurance 500 for 6 months. Just me. Mom pays her own. Two credit cards 700 on each of them. I pay minimum for now. 50 dollars a month for one. 100 a month for both. Hospital bill 1,200 to pay off. 300.00a month minimum. Psychiatrist 225.00 per visit. Visits every 3 months. Therapist 100.00 a visit. Weekly. 300.00 a month. I stopped seeing her for a month because I cant afford it. Dog care 50.00 a month for food. 130.00 recently to get caught up on shots and vaccines. Gas for car 50.00Misc Avg 30 dollars a week. Beer on Saturdays, occasional lunch during the week. That basically sums it up. I need to find another form of income somehow or Im just going to be stuck in this shop until I die. Assistant: Xkuba6x motnhly expensesHouseholdInternetTVPhone : 215Cellphone Family Plan : 280Gas : 120Electricity :168Appliances: 100Dog Food: 50Property Tax: 250 Total Household : 1183PersonalCar Insurance : 83.34Credit Cards: 100Gas for car 200misc: 120Total Personal: 503.34MedicalHospital Bill: 300 for 4 monthsPsychiatrist: 75Therapist: 300Total Medical: 675Total Outgoings: 2361.34Does it look like their is anything missing from that?Human: Looks about right. Yes. God that final number is terrifying.  <response>: Its not that bad!!Some bad stuff that your doing thats costing youYou have lots if little bits of debt that isnt in the right time frame and probably isnt the best APR.For instance if you took your outstanding credit card balances 1400 your Hospital Bill 1200 and the appliances 2000 consolidated them into one 35 Month bank loan of 4800 at 8 apr you can probably do much better your all in monthly payment would be 150 a month vs 500 at the moment and you would be done and dusted. Even if you have to use the car as collateral your fine.Monthly expenses have already fallen from 2361.34 to 2011.34Look at your InternetTVPhone package Do you need to be spending 280 a month :- for instance you could probably save at least 70 by cutting the home phone you both have mobiles moving to a more basic TV package with good Internet and getting a netflix and amazon prime subscription.The Cellphone Family Plan looks expensive have you shopped around? You should easily be able to get a shared plan for 2 for under 180, you might be cheaper getting 2 single plans.We have now gone from 2361.34 to 1841.34 :- you could do all of that in the next 30 days.Speak to mom see if you cant setup a joint savings account that you put in 170 a month and she puts in 130 a month to cover property tax and unexpected expenses like the dogs shots.Your outgoings are now down to 1761.34 of which 375 are for medical costs which wont be forever!Its Math and breathe!!! 