<prompt> Human: Long story short, my roommates turned out to be complete leeches and before I knew it, I had blown all my savings, sold all my possessions, and taken out a loan to cover their part of rent, before I finally just cut my losses and left. I was an idiot and I regret the entire thing. The one smart thing I did, is I signed the apartment over to the roommate, so I have no obligation or anything to pay rent in that apartment now. No worries of eviction or anything from that now.What I do have left is this: About 1,500 of credit card debt About 4,500 of loan debt A 300 a month car payment, plus 200 insurance, plus 200 to register which needs to be done ASAP since the temp tag expired last month I live with my girlfriend now. Rent in the new place is 900 a month, plus some extra for utilities and food its kind of a co-op, shared housing thing My job is full time, 12.50 an hour. Girlfriends job is part-time, making the sameI have no other recurring bills, or payments. However I only have the one car, and between my girlfriend and I both working, thats just not enough, especially with winter coming. I need some help formulating a plan to start cutting through this debt, while also saving up enough money to buy a cheap car, and also just having some sort of a savings so I dont have to deal with this crippling depression from my card getting declined every other time I go to buy something as small as a soda.I know Ive made a lot of mistakes in my life, but its time for me to learn and try to overcome it. I would appreciate any advice I can get. Thanks everyone  <response>: 1. make the minimum payment on the loan, and put more cash towards the credit card. the credit card will more than likely have much higher interest. 2. your car insurance is very high. try to reduce your coverage or shop around.3. get another temporary job. server, package handler, whatever you can find.4. sell stuff you dont need on ebay.5. do not buy anything that you do not absolutely need. 