<prompt> Human: I have 0.77 in the bank, no savings account, and my credit is trashed. I owe a few hundred in back taxes that Ive never been able to pay, and theyre threatening to take my tax refund which I dont actually get... I never get a refund, I OWE money every year. Im shelling out 120 in late fees a month on my rent and all my bills and utilities, because I can never get caught up. Im heavily in debt with a couple of these shitty personal finance companies, whose loans I took out years ago to keep my life afloat. My car is decent but it needs lots of maintenance. I live in a dumpy bug-infested one-bedroom apartment with no dishwasher and no washerdryer. All my furniture is old and worn out. All my clothes are hand-me-downs from my grandfather, of all people.So in one month my paycheck will be nearly double what it is now. Obviously this will change my life, but which of these problems should I prioritize?  <response>: What is your annual salary at the new job? Living paycheck to paycheck for some is an unfortunate reality, for others its a problem with budgeting. If I know what you are making I can help more. 