<prompt> Human: TL;DR : Have 450 in CC debt left to pay on top of my monthly bills, cant spend any money without feeling extreme guilt and anxiety, dont want to continue living this way because it sucks. Looking for any freecheap books, advice, or websites that can help me deal with this constant anxiety and worry over money. Thank you!Ive posted here numerous times about some really minor debt, and Ive taken advice from the sub and have one more credit card to pay off yes!. I have paid off 500 in CC debt over the past few months, and feel really proud of myself. However, its left some really bad effects on me personally and was just looking for resources for help with this issue because I couldnt find much in terms of fixing it besides symptoms of what I think I have. Ill try and keep it short, but TLDR at the top.I cannot spend money without extreme anxiety and guilt. Once I started paying my debt, I had to map out exactly how much ill be getting paid after taxes, how much is automatically getting taken out for bills and interest on CC. I did this because it worked best for me. Setting budgets didnt work for me no matter how many I tried, and this method I liked because it was simpler and helped me see my expenses better.My CC debt is not huge. As of this morning its 445.17, and Im planning on putting 50-100 towards this months payment to get it rolling. Im only 20, and my job is a great stepping stone for me in my career. My current jobs pay is 13hr. but it can vary how many hours I work due to what I do. I work with kids doing in home therapy, and hours vary due to cancellations. So I can make anywhere from 400-1000 a month depending on cancellations, but usually its consistently near 800, which I find good for part time and a job I enjoy. Other expenses that I have like car, gas, insurance, and phone total to around 440mo. My parents always offer to spot me money for things if Im desperate, but I dont like going that route because I know they struggle with their bills too. I know if I work hard enough, I can pay off my final CC in 4-5 months, but its leaving me with this constant anxiety over money.Ive become obsessed with it. I wake up every morning and the first thing is look at your bank account to see how much you spent yesterday, and then it just makes me upset seeing a -20 or something small. I turn down plans to get a simple 5 meal with friends because I cant bear to spend 5 bucks when it could be going towards small cc debt. Im worried about how life will be once my student loans leave their grace period, because I dont think I will be pursuing graduate school until my loans are under control which will be a year probably. Its also a problem because the money I earn...I dont want to let it go. Ive been screwing myself over by paying minimum on the last CC I owe because I dont want to see the money leave. In my mind I go Oh there goes 100, how will you make it till the next pay cycle remember, you cant go out until this is all paid for., things like that. When I DO go out, I overspend. Not overspend as in 100s of dollars, but like a night out to a restaurant where I spend 15 bucks. Im just tired of living scared. I dont want money controlling my life anymore, because Im making more of it now I was having this issue making 200mo. 3 months ago. I feel like I have come so far, but Im stuck and I cant take this constant worry about money. Any books, advice, or websites that I can read about this and how to deal with it would be appreciated. Edit: typo in title, meant offEdit 2: For clarification, Im still in my undergrad with one more year to go. Im going to check out YNAB later tonight after work, and do my best to get my emotions about my money and my debt under control as well!Edit 3: thanks for the helpful advice everyone. Some I needed to hear, and for clarification because some PMs were hostile because I was complaining about how much CC debt I had, this post was NOT to figure out how to pay off the debt. It was how to get over the anxiety of handling my money. Im waiting for YNAB customer service to get back to me with a college edition thats free. Definitely will post update postAssistant: Do you track your income and expenses? I use YNAB, and allocate money towards each category that I need to or thats important to me. Then theres no question later -- if I have budgeted 20 for fun purposes and havent spent it, I can, without the anxiety. I think having some money to spend on fun things is helpful so you dont drive yourself crazy. But once that 20 has been spent, Ill have to wait until I get paid again and reallocate more. I like YNABs rules regardless of the software. Might be worth looking into.Human: Ill take a look. I took a quick look at it but am always afraid of budgets because I always think I give myself too much on things I dont need having fun, buying new things, but not enough towards debt. Ill give it a look thank you :  <response>: Without a budget you will NEVER get a hold of your finances in life. It is he single most important toolskill in finance. You will NOT do the budget right the first time, second time, or even fifth time. You WILL mess it up from time to time. Thats okay. Thats what learning is about. You need to have a small emergency fund in place to help with that, too. 