<prompt> Human: I have 0 money management skills. Im 29 and live at home because of it. The only bills I have are a 350 monthly car payment and 120 monthly insurance. Other than that I spend copiously on vodka and cigarettes. My credit is VERY poor as well. In the little time Ive spent trying to think if I could afford a place of my own...I get depressed and realize I just cant. Im not even 100 sure what my hourly rate is at work or what my checks average, its direct deposit so I never see it. Im in a hole that I just dont see a way out of.  <response>: OK not trying to be mean, but given your OP and responses youve made to other people, I think you have less of a personal finance problem and more of an Im lazy problem along with some general apathy. Your bank has online access but youve never signed up for it. So...sign up for it. It takes like 10 minutes. You dont know what you spend. OK save every receipt for a month and then add them up. Or use You dont know your hourly wage? Ask your boss. Ask your boss how to access paystubs. You mention how being single makes it hard to manage your money and you want someone around to keep you in check. Honestly, WTF. You are 29. You are well into your adult years. You dont need someone to baby you. You need to make the effort of doing things on your own and learning self control. Stop smoking and excessive drinking. Those will keep you poor in more ways than one no matter how well you manage your money. 