<prompt> Human: Im barely able to make the minimum payments on my bills and I have nothing left in my paycheck extra to save. I have tried to call credit card companies to help me but they wont. What do I do besides just cry and stress?  <response>: What do I do besides just cry and stress?Look for ways to increase your income. Working eveningsweekends part time around your regular full time job... or finding some sort of side hustle like babysitting or selling crafting stuff if youre good at it.Look for ways to decrease your expenses. Look for cheaper places to live, less expensive means of transportation, learn how to cookeat more cheaply, figure out ways to reduce your entertainment spending like date nights or cable or cell phone bills 