<prompt> Human: My expenses outweigh my income by about 250 every month. Ive chiseled my spending down as much as I possibly can with the exception of selling my car and cell phone as I need those for work. My bank referred me to a credit counseling service who told me Id still be in the negative every month if they consolidate and lower my payments. I called my credit cards and they said I dont qualify for their hardship programs because my accounts are in good standing, but thats because I have to put gas, groceries, medicine, doctors visits, etc. on my credit card to HAVE the money to pay my minimum payments. Im drowning, Im depressed, and I dont know what to do. Im only 24, I dont want to destroy my good credit score by making drastic decisions. Please, if theres any advice out there, Im willing to take it. Assistant: The first thing that would help would be a basic outline of your costs. How much are your rent, car payment, and medical bills compared to your income? It will help us see where the biggest savings could come from.Human: Income 1248, Rent and utilities 309, Groceries 150, Car and insurance 350, Gas 120, Medical 45, Phone 65, Dues for sports team 40, then my total in 5 credit card minimum payments is 418.  <response>: Not to be a dick but whyhow did you get car payment like that on roughly 24000 a year. My advice would be not only sell the car, but also get a second jobnew job. You arent in a place to have a car like that. Pay off all your debt, cancel your credit cards. How much is owed on the car still? You need to get something affordable and reliable. Its not necessarily and income problem its an entitlement problem. You have budget correctly before you get in messes like this. 