<prompt> Human: Hello reddit, Ive been trying to properly manage my personal finances ever since I started making money and Ive been really bad at it. Where Im at right now: I woke up this morning looking forward to pay day, I sign in to my Bank of America app and my checking account says 237.81. I was expecting 400 more but my car insurance company made an auto withdrawal. Why is this bad? Because I needed 450 to pay The rest of my security deposit for the house that Im staying at right now. Its already way past due by two months and the guys that Im renting out the house with have been very patient with me. I get paid another two weeks from now and I really dont know what to tell them. My debt: 16,000 in credit cent debt.6,200 in auto loans. 9,500 in personal loans.7,000 in student loans.I spent my money really irresponsibly. I spent a lot of money that I didnt even have, I just kept swiping my credit cards and when my credit cards got maxed out thats when I took my personal loan to pay off my credit card so I can start fresh again. I went back to my stupid spending habits and I maxed them out again. I made the same impulse decisions when it came to the car. I applied for an auto loan, bought a car while completely disregarding all the financial consequences. Ive been missing out on my car payments and my friend that lives at my previous billing address told me that the bank came asking for my car due to late payments. All my credit card companies have been calling me almost on a daily basis but I dont have the money to pay my credit cards.I make about 1600 a month and Im a college Junior. I live here in the United States by myself, and Ive only been here for about four years. Clearly I wasnt properly educated when it came budgeting but I really want to get my finances back in check and Im going to follow any piece of advice anyone can give. Please, I really need your help.  <response>: What are your expenses? Do you currently have a snapshot of what your spending looks like? I recommend mint to see where your money is going. Or if you can post us your average monthly spending then we can help you find areas where you can cut costs so you can stay afloat.Do you need your car? 250 a month is a lot when you dont have any money. If youre in college can you walk or take the bus if you sell your car? 