<prompt> Human: So let me just start this by saying I am sorry if this is not well written. Im a bit emotional about my recent finances and Im lost in terms of a solution. Also Im on mobile so Im limited on formatting.Currently my bank account sits in the negative. Not by much 50 but enough to affect me. I dont understand how I got to that point. Over the last few months I have had 1,000.00 in my account and havent had any issues. Now, what appears to be out of no where, I have a negative balance. I just want to get ideas as to what I need to do to get back into the positive and stay out of debt. Heres my math:Income: 13.50hr 40hrswk 540.00wk × 52 28,080.00yr - 21tax 22,183.20yr ÷ 12 1,848.60mn - 100.00 medical insurance 1,748.60MN Debt: all rounded up to the nearest dollar:Per month::Car payment: 220 Car insurance: 115 Motorcycle payment: 150 Motorcycle insurance: 20 Rent: 430 Renters Insurance: 16 Electric: 70 Water: 20 Credit cards: 65 70 70 50 255 Cell phone: 80 Misc: Playstation Plus: 10, Netflix: 10, Loot Crate will be cancelled soon: 20, Bank Fee will be changing banks soon: 20, Food expenses: 60, misc other: 50.Monthly total: 1,566 roundedClearly this is less than my monthly income, granted its not by much, I should still be in the positive. Right? However Im not sure what happened and now Im in the red.Now let me add a bit more. My credit score, when I checked about 6 months ago, was 640ish. Now its around 570ish. How could this fall so fast? What can I do to improve this? Ive never missed a payment nor defaulted or anything like that. I have a bit of a high utilization on my credit cards but I didnt think it would destroy my credit...Currently Im not sure what I can do to correct this debt. I am moving out of my apartment in four months and that will reduce my rent by 200.00, I am also trying to sell my car. However its currently worth 10,000.00ish and I owe 11,700.00ish. Im trying to cut back on everything to reduce monthly costs. However I will not get rid of my motorcycle or Playstation. There pretty much my only entertainment. Now for my plan...I would like to get a personal loan for 2,000.00-3,000.00 to pay off all my credit card debt 1,500ish, pay off my phone 600ish, switch to a different phone carrier requires a different phone, but will save 50mn 600ish, and have a bit extra for backup. Now I have a car I can use as collateral to offset my credit score, so hopefully that helps. But I dont know if thats the wisest idea. However I dont see any other way to correct this. Im just looking for advice and information on what I can do to reduce this debt and improve my credit score. Id really like tips on how to get my credit score to look good again. Lastly, I know this is probably very little compared to what some people are facing and I apologize if I seem selfish. Im sure the finance masters of reddit have better things to do with their time, so I really appreciate any help someone can offer. Thank you for your time. -LemurAssistant: As far as the budgeting issue how you are ending up in the red when you should be slowly building up savings, my guess would be that you arent quite recording everything. A few small things can add up quickly and push you from getting by to sinking.I would go through your previous purchases one by one for the last couple of months and figure out where your discrepancy is. You mention playstation plus and netflix I assume streaming?, but not internet... is that included in rent? Just mentioning it because its an expense I didnt see listed.As far as the credit score goes, at least one of your credit cards probably offers free FICO scores. Typically that will include a breakdown of why your score is that way as well. Discover has a little part that says your credit report on DATE was affected by the following: reasons. Captital One also has a pretty in depth breakdown, and lets you move some stuff around credit limit, credit utilisation, etc to see how it will change things. They also break down the score into little categories and give you an individual grade for each. Take note, however, that the Capital One score isnt a FICO score, but does look at the same stuff. It should be good enough to tell you why your score is what it is. Unless you are planning on buying a housecar in the near future, I wouldnt worry about your credit score so much. If your cards a near limit, it might be a utilization issue.As far as the personal loan goes... if you could get the loan at a lower interest rate than your credit cards, it might make sense to consolidate them. However, you still need to figure out why you went into the red. Also, with your incomecredit score, you might have an issue getting a personal loan with low interest I dont know that for a fact, but be weary of trading high interest debt for more high interest debt.Human: Im sure there are some small things I am leaving out and thats probably just because theyve slipped my mind. I will add them as I think of them. However internet and cable are free from the company I work for. I am currently looking up some credit information for find out what affected my score and when. I appreciate that info, I didnt know you could find that information through the credit card company.Im also working out a plan to budget every dollar that is spent per month to get a better grasp on things.  <response>: Estimating or trying to remember what you spent your money on isnt going to help you. You need to sit down for an hour or two, go through the last three months of your bank account and record every single item in an excel spreadsheet by month. Every single one. Group all the food items together, all the gas purchases together, etc. Your original post said 60 monthly for food - once you see how much you actually spend on food, itll probably make things clearer. 60 per month is 2 per day for food and Im sure its technically possible to spend that little but youre likely spending far more than that. Same with little random purchases you probably dont think about.Until you have the actual data in front of you, there isnt much you can do to make changes. 