<prompt> Human: Im 27m. I have about 2,200 in a credit card debt. About 6 months into a new car at 10 on a 25k car. I know that a high percentage, my credit isnt so good. It used to be better. 295 x2 for hospital bills in collection. I make about 3k a month. I pay 900 rent, 550 car, 170 2 phones, electricity and water 100, insurance about 100, 100 auto pay to cc a month, gas about 200, toll roads about 150. These are very rough estimates.Also, any advice would be nice.The 3k a month is after taxes. It seems like a lot but I barely make it. Maybe because Ive been going to the dentist and doctor a lot lately. How do I get out of my car problem? I still need a car, I could get a cheaper one if it is actually cheaper for me. Assistant: Is 3k gross or net? What are your other expenses? list them in the OP.Human: Thats after taxes.  <response>: So after all of your expenses, you have 700. Where is the 700 going? Do you have a budget? You need to know where your money is going before you can figure out where the problems are. 