<prompt> Human: I know this is stuff that I should be able to figure out myself but I am horrible at it. I have been diagnosed with anxiety that stems from finances. I cant go a day with out worrying about money I am coming here to hope some one or people can help me create a plan. My base pay without overtime comes out to 1550 bi weekly so about 3100 a month. I live with a child and fiancée and we rely only on my own income. Here is the list of our expenses. -rent 1250 a month as of aug 1 it will be dropped to 1100. - truck payment is 316 bi weekly 632 a month -insurance is 125 a month -phone is 150 a month if we stay in the plan and no overages. -internet cable is 150 - utilities are 75 a month. That is the hard numbers. The rest goes to gas groceries and other spending. - I have a credit card that is at 7000 My problem is I never pay bills on time I always am 2 months behind on phone bills and can never pay on time. Im basically living pay to pay. I find we eat out a lot and have been slowing down on that. I never miss car or insurance payments. We do have our wedding coming up in two weeks and be able to pay off the credit card at the least and be able to start saving. - I am able to work overtime and possibly get 1 a week at 300 per overtime but I cannot rely on that. So safe to say I can almost guarantee 2 a month. My goal is to build a 5000 nest egg by next year alone and any extra if my fiancé is able to find a job. Is this possible how can I attain it? Thank you. Assistant: Is that your work truck needed to earn income? If not, it has to be sold. Human: I had a Chrysler 300 that I was paying 604 a month a 2015 I traded it in for the truck to get something with a better warranty and would last me longer I also added 2000 cash back to the deal beucase thats 1 interest to pay off 2000 of my cash advance on my credit card that was at 20 interest. Assistant: How much are you upside down on the truck?Human: 56,000 I bought it 4 days ago I traded in my car took a 16,000 hit on the car so the truck was 38,000 plus the 16,000 from my old car Assistant: Sheesh. Why on earth did you do that boss? Especially knowing you were in debt with a wedding coming up? ;Human: For the 2000 cash back and I have no idea Im compulsive and I spin things in my head to make them sound like a good idea  <response>: Holy shit, homie. Your first step is to never, ever, ever buy anything other than gas or groceries without running it by a trusted friend or family member first. You have what sounds like a clinical, compulsive spending problem. 