<prompt> Human: I have a 20,000 car loan its a 2012 Jeep Wrangler 2 door sport, I pay 498.21. My credit is 499 my dad helped me consign I have tried trading in my jeep for a cheaper payment, but I cant qualify. This is really a burden. Not to mention I have rent that is 675.00 a month I have a 5 year old witch she is in preschool it is 175.00 every week me and her mom split that. I get paid 14.80 an hour I also pay light, groceries clothes gas etc. and I have braces that I cant get Insurance for because I started to pay out-of-pocket so I have to continue to pay out-of-pocket which is 150 every month how do I budget where Im not broke every paycheck I am literally living paycheck to paycheck how can I stop this?  <response>: Start at ground zero: write down your monthly income and all expenses. You need to know where ALL your money is going. Make cutbacks accordingly.Youre right, that auto loan is a financial trainwreck. 