<prompt> Human: So before I begin, I understand that I have made terrible financial choices. I know this and I regret it but I am 24 years old and I want to turn things around. I am living paycheck to paycheck and Im not able to pay my bills. I cant see any possible way to fix things except for slowing paying things off. I wanted to post here to see if anyone would think if anything that I cannot.I make roughly 800 each check and I am paid bi weekly. Here are my monthly bills. 565 rent70 phone70 cableInternet267 school 138 car insurance 70 electricity15 water90 Disney annual pass80 gasThat leaves me with roughly 235 a month left for food and credit card payments. Now most of those amounts, are my half. My boyfriend pays his half as we live together. I have been looking into cutting things but anywhere I could cut is locked into a contract. Phone, rent, Disney annual pass. I do not get out of those for about a year.The school portion is my monthly payments for my community college. I am on academic probation and I am not able to receive financial aid. As for my debt, I owe about 5000 in various credit cards. At this point I am not even paying the minimums on all of my cards. Im really at a loss of what I can do. I would love to work a second job but the hours that I have at my full time job prevent anyone from wanting to hire me as I wouldnt be able to be there when they need me. Any suggestions would be great, please hold your judgement back, I already know the hell that Im in and how stupid I was. Thank you in advance for all of your help.  <response>: I love the first paragraph of your post. Just admitting that you made mistakes and that you are ready to make changes to fix things is easily a third of the battle. Many people dont even get that far, so good job on that. Another challenge will be letting the guilt from the mistakes you made go. You may not even experience this until much later in life, but you can do it.As for your plan, it seems youve really given it some thought and analysis and have it thinned out as much as you can manage. I second getting rid of cable, its mostly garbage on TV these days anyway at least in my opinion, so you wont be missing much but will be saving a lot. Keep the internet and maybe just use Netflix, Hulu or red box instead. Look into getting a discount on your car insurance. Start by calling them up and simply asking. If youve been a customer with them for a while they may be willing to work with you, especially if you imply you will start shopping around because Im in a tight spot and simply cant afford your insurance rate anymore ;- Also look at your food budget. If you buy in bulk, get less processed food and get creative by cooking mostly at home you could probably shave that expense way back. Then going out to eat once in a while is much more special.You can dig your way out of this, but dont expect it to happen fast. We are so used to instant gratification in our culture that we forget some things are worth working at and waiting for. Again, YOU CAN DO THIS. Good luck! 