<prompt> Human: Im getting very tired of being broke all the time and having to live paycheck to paycheck. I get paid in 4 days and i have 5 to my name that i had to borrow off my housemate for food...At some point i would like to get a house and stop renting but i doubt that will happen, my mum is in a similar situation where she is renting and should have her own house by now but life gets in the way. Right now just having some money left at the end of the month would be a relief.Details:I get paid roughly 1500 after taxes and student loan deduction. Current debit account balance: -900 overdrawn Barclaycard credit : -1000 Capital one credit card: -1250 Rent - 400 Phone - 70 Travel - 60 Credit min payment - 110 Entertainment - 30 netflix and similar as i dont have a TV Clothes - 60 ive worn the same 67 shirts to work for the past 18 months now i need to expand my wardrobe to be more professional Medical - 30 Unforeseen - 50I need some guidance as to what to do to start paying off my overdraft and my credit cards. Please can anyone advise as to how i start budgeting and getting out of this debt?  <response>: Right now you only listed 810 of expenses, yet have 1500 of income. Not knowing exactly where 46 of your income goes is not a way to get yourself into any sort of good financial place.Since it seems you use credit and debit cards to pay most of your expenses, then it should be relatively easy to see where your money is going. Go and download the last three months worth of statements. Then categorize every single purchase. Your categories will depend on what you spend money on. For example, many people have an eating outside of the house category, but some people are better served by breaking it down further to pub, restaurants, fast food, corner store snack run, etc. Only once you truly know where your money is going can you begin to dig yourself out of this hole. 