<prompt> Human: Monthly take home 2,800Rent Includes utilities 1,100Car payment 350Gas 200Food 400Cellphone 100Vacuum payment 50Payday loan extensions 275Fun money 100Lotto tickets 200 The only investment I can afford right nowBank fees take up the rest of the money, up to 100 a monthI hardly have anything left over and the 3-5 days before each paycheck I find myself with nothing in my account and eating noodles. I was suckered into buying a 3,000 dollar vacuum by a friend who is a door to door salesman. I took a payday loan for it and have since last April paid over 5,000 for that damn thing and still owe 800. Every other Friday I renew the loan and often pay one loan with another one from another company. I have 14,560 in CC debt and owe 26,900 on the car. Dont even know how bad my credit score is...Im sick of living like this and the stress it puts on me. I would appreciate any advice on how to better my situation. Thank you reddit Assistant: Assuming you arent trolling, you needed this guy as a fatherYou are deeply in debt and need to live like it until you are in the clear, if you are serious about getting on your feet. Rent 1100 - you need to find a cheaper place to live. This probably means moving in with one or more roommates. Living alone - or just you and your girlfriend - is a luxury you cannot afford at the moment. Car payment 350, owing 26,900 on the car. Jesus H. Christ in a chicken basket. Ive owned two cars whose combined cost is less than what you owe. If I were paying that for a car, Id expect the cup holder to be a man named Charles. What is the car and what is it worth? Gas 200 - where are you driving? You need to cut it out to just to and from work. Food 400 - what are you eating? How often, if ever, do you go out to eat? Cellphone 100 - whens the contract up? Can you downgrade to no or less data? Stop downloading apps. This is a luxury. Fun money 100 - scrap this. Get a deck of playing cards. Walk to the library and get some books to read. Your entertainment needs to become free. Lotto tickets 200 - Either youre trolling or you _really_ need Red as a father. Cut this out now. Im not touching the vacuum story. Taking out a payday loan to help someone when you already owed five figures. I hardly have anything left over and the 3-5 days before each paycheck I find myself with nothing in my account and eating noodles.What do you eat when you have money in your account? I have 14,560 in CC debt How did this happen? Im sick of living like this and the stress it puts on me.Then your _number one_ priority has to be getting out of this, and that means spending as close to 0 as you can on things you arent already committed to.Human: CC debt includes student loan debt Roughly 12,000. I was being vague with the answer and just give a general feel. I put a vacation on the cards and my flatscreen tv is on a Best Buy card. Maybe some other small stuff but thats it.I bought a used BMW 528i and got flexible payments. My dream car and im not really concerned about that. I can afford it perfectly well. I answered the other questions already.  <response>: Income 2,800Less: Rent 1,100 Balance 1,700Less: Car Payment 350 Balance 1,350Less: Gas 200 Balance 1,150Less: Food 400 Balance 750Less: Cellphone 100 Balance 650Less: Vacuum 50 Balance 600Less: Payday Loan 275 325Less: Fun Money 100 Balance 225Less: Lotto 200 Balance 25Less: Bank Fees 100 Balance -75 I can afford it perfectly well.You cant afford to buy a hot dog. 