<prompt> Human: So even with my salary of 47,000 I am completely unable to make it. My paycheck is gone within 3 days. Always. Ive maxed out on the payday loans until next year. The main thing killing me is an unsettled gap claim on my totaled car. Ive been paying two car payments. Aside from prostitution I have no idea what to do. I simply cannot make ends meet. What do I do? I need 600 to catch up the payments on the totaled car which is a step in settling the claim. Im lost.  <response>: With a salary of 47,000 you have all the resources you need to get on top of your problems; its just a matter of execution. The first and hardest step is to drastically cut expenses. Nothing is sacred. If you can reduce your lifestyle enough, you will have no problem getting on top of your debts and eventually returning to normal.Remember, there are people out there living on half your salary. They arent living happy middle class lives, but they are living. You need to adjust your lifestyle to be more similar to theirs. There are a number of links in the sidebar to other subreddits that focus more narrowly on cutting expenses and being frugal.Once you have your expenses to the point where you are living within your means, you can use the Avalanche method to start aggressively paying down your debts. This is all explained here 