<prompt> Human: Hello there,Long story short, I started receiving disability last year. Because I was so young when I applied, I receive 700month. Legally, I cant earn more than 40month or it messes up the disability. I was really hoping this would only be a temporary thing, but am starting to realize I might have to live with this amount for a long time. Im not used to it am especially lost on how Ill ever be able to afford rent. Cheapest apartments near me Metro Detroit area are 600month. I dont know if a roommate will work out because of my disability, but I guess Ill have to get over that.At the moment, Im paying 60month for a phone 100month toward my credit card when I first get my monthly payment. I know that phone is way too expensive for my income, but I got into the contract when my health was better. Im college educated and just...wasnt expecting this to happen. In the past, a good amount of my money has gone toward other people. I dont know how Ill ever have money to get friends wedding gifts, for example, and Im just freaking out. Im going to have to make huge changes, cut out all money toward other people and pay attention to every penny. Any advice? Thanks so much.  <response>: You can walk away from your credit cards and your phone contract. You can get a free cell phone if you are on food stamps or Medicaid. Check out Assurance wireless for a free phone for people on welfare. If any creditor contacts you ignore them. If they send you a letter send a letter back stating, Im on SSI disability and Im judgement proof. You should contact a HUD office near you to sign up HUD housing then look for a stable room mate situation. On HUD you only pay about 30 or less of your income on housing. Stop thinking like you can afford credit cards and fancy phones and now you go into survival mode. Ive worked with numerous people on SSI a few years ago and this is how we handled the situation. Dont talk to any creditors over the phone about anything. 