<prompt> Human: 25. 37kyear before taxes. Ive got 6-7k in unpaid phones and credit card debt being young and stupid with my finances. Everything is in collections. Bad credit. It just all adds up. I just dont know what to do. Im terrible at budgeting and currently most of my finances goes towards my car payments. Phoneinternet and rent and barely food. Which together add up to be 1043monthI get paid weekly at roughly 588weekEven with ambitions to go to school I cant because of bad credit and debt haunting me every day. Help...  <response>: Im by no means an expert but just pay off that debt, you have about 1300 leftover each month you should be able to put at least 500-1000 of that towards your debt, you could have it paid off before the end of the year, mate. 