<prompt> Human: Im really sorry if this is at all wrong! I never post anything at all. This is a throw away but I could use any amount of help right now. Long story short I worked at a job that allowed me to live the lifestyle I have now earning over 2500month: Monthly Bills -Rent my portion 250 -Utilities 200 -Car note 400 -Car insurance 120 -Credit card 220 -Cell 70 -Total 1260However, the job I have now is making half of what I used to make at my previous job. I make close to 1700month on a good month. Recent set backs such as being forced to buy new tires and a new battery for my car have forced me to be behind on my bills for the past few months. College is not an option for me. Ive gone delinquent after dropping out 3 times. I cant get financial aid to go back. My credit has gone down considerably. My cat hates me.Ive hit the ground pretty hard after these stupid decisions and I would like to ask for help in finding a plan that could get me back on my feet. Any input or criticism is welcomed and appreciated. Thank you for your time!  <response>: This sounds eerily similar to me at 26. I had a ton of help but I dug myself out of a 20K in credit card debt and other fees legal fees, etc in two years. The main thing, stop spending. Work as much as you can, but continuing to spend even small purchases will stretch your rebound out months, even years. Get rid of that car, even if it takes weeks of searching. You can find a 1500 car somewhere, again, even if it takes weeks of searching. My girlfriend at the time now my wife helped me through my rebuild. It sucked because I couldnt afford to go out with friends, couldnt go to restaurants and had to switch to cheap beer and cancel my cable. Trust me, you can dig out from under this way quicker than youd think. I didnt have any monetary assistance, just support from loved ones. No more car, two jobs, no more spending. dont over-complicate it. 