<prompt> Human: Im 21 and I have student loans and credit cards that I was dumb enough to max out. I dont know how to budget my money very well and I have never had help with doing so. I get so low in my bank just from bills and I dont really know how to save money to live. I feel like a failure. Assistant: How much are your loans and how much is credit cards? Do you have a job?Human: My loans are 19,000 120 a month Craig cards around 3,000 75 and 45 and I do have a job I make 14. Iv tried budgeting but I just can never get a hold of it.  <response>: Start with a spreadsheet of monthly income vs. expenses. See how much you have left over. I am sure you learn this by now since you are in debt, but start buying what you really need, and not what you want. Live like no one else so you can live like no one else later aka frugal living, focus on paying off debt.Id focus on CC payments first since they are most likely high interest rates. Then student loans--they are there to stay for a long time, but you can tackle it faster by budgeting. 