<prompt> Human: Hi everyone,I need help. I start out each paycheck with a good amount of money, but by the end of my pay period, Im into negative numbers in my checking account. I need to learn to adjust my budget to Im 26. I have a pretty well paying job 80,000 per year, I live in the bay area but found a pretty good deal on housing 1400 a month for my dog and I, just a little over a 13 of my take home each month. However, I was dumb in collegeI ran up my credit card and let it spiral out of control.I just recently took out a personal loan to alleviate the situation. Cut the interest rate significantly, but its added a 380 bill to my monthly commitments, on top of a 270 student loan bill, a 150 auto loan bill, and various home utilities.Whats the worst is that because I have almost no money left over from my paychecks, I have to buy groceries on my credit card. You see where this is going.So now Im stuck in a cycle of trying to pay off my credit card as fast as possible One of which is already approaching 3k and then being left with no money at all. Theres a little light at the tunnel, with my car payment being completed in a few months, but I still just dont make enough to cover my commitments.Im drowning. I dont have a savings account. I barely have an investment account, just because my company has employment perks with a financial investment groupand I just started that this year, and I only put 100 a month toward it. I put money into my 401K, which I guess is silver lining. But I honestly just want to put a bullet in my brain every time I see my checking balance boomerang from 400 to -85 because a few bills hit during one week. And since I have so many obligations, trying to space them out has been a fruitless gesture in the past.The common sense feedback is just spend less money, but I dont know how I can do that. I already dont go on trips that all my friends go on because Im short on money. I ditch out on friends expensive birthday dinners because I cant afford it. My girlfriend and I never do anything, or so she tells me all the time. I buy groceries and cook at home every week. Ive foregone a gym membership because the extra expense is too much. I have a budget, and even cutting out all unnecessary expenditures even with cutting my grocery bill in half to 80 a month, which is absurdly low in this area, Im still left with a -45 net income. I honestly dont know what I would spend less on.What can I do? How can I fix the staying awake with the dread of my finances? How can I find a moment of solace without the crushing weight of all my debt dogpiling on me?Thanks.  <response>: Where is your budget? Without numbers youre going on gut feeling, and humans have a horrible habit of lying to ourselves. 