<prompt> Human: So for lack a better term, Im piss poor in terms of handling my own moneybudgeting. Over the The course of five years I have accumulated about 15-18k in debt. Between family, friends, student loans, debt collectors, etc etc. needless to say this is all catching up to me between failing relationships with my family and constant harassment from the collectors, even suspended license. As Im sure you can gather that I have never been financially responsive to much of my life. Whatever I could do myself I would just ask or take out a loan and usually never paying it back. I realize that I have been a piece of shit and Ive been trying to set things right over the past couple months. Contacting family and friends by trying to pay them back. But this has been a struggle on me financially. Im tired of having my relationships suffer or end because of money. Ive had the same job for about a year and half now only making 13.00 per hour roughly 1,300 monthlyThis is considered poverty line when living in the city of Chicago. Between paying rent, insurance, cell phone, food etc. on top of try to pay back money owed has slowly become a noose around my neck and usually by Sunday night-Monday morning Im close to broke with 11 more days before I get paid again. On top of everything, my car is literally on its last leg and on the verge of death, without having any extra money to fix much needed repairs Im at a loss and feel the walls falling. Having a 25-30 minute drive to work everyday, I depend heavily on my car and fear Id loss my job without it.If anybody has budgeting tips or decent personal loan advice or anything. Itd be much appreciated.  <response>: Couple of pieces of advice: come back here and reply to people that reply to you. the more conversation you can have the more advice youll get You sound pretty down on yourself and understandably so, but keep your head up. That said, coming here and admitting youre in financial trouble is only a small part of what you need to do. Youre going to need to take action and make serious sacrifices, but trust me, theyre worth it. 