<prompt> Human: I just had my car repossessed, but this post is less about that and more about correcting my overall poor financial state and habits.As I lay in bed after confronting the repo agent at 3am, I thought about writing a post here because clearly I need some help. Im hoping this sub can set me straight.Heres some general information: 29 M I live in the San Francisco Bay Area Income is about 380 weekly I have 2 credit cards with a 5000 limit - One has an APR of 29.99 - The other has an APR of 21.05 Both are over limit and Im having trouble keeping up with the them these days By some miracle rent is currently 0 I have no funds in savings My credit score is not prettySo, I was let go of a job in February and spent a month or so unemployed. Debt started stacking and I couldnt keep up with it. I eventually found employment, but they only offered me less than 30 hours a week up until just recently. I was actually making about 245 weekly during that time. I had another brief non-financial hardship and I was focused on that and not my money.Now that Im clear of that hardship, it feels everything is collapsing. Fastrak bridge tolls is waiting for payment, my cards need payment, medical insurance needs payment, and old phone transfer deal that went bad hangs over my head I owe 500 to Verizon, went to collections, but Im also trying to recover my car. Of course, most of these are incurring fees for late payments as well.Some general info about the auto loan: 309 month 4.84 APR I still owed about 11000 19270 at the time of repossession 1100 to reinstate not counting fees I have about 20 days from this post to recover the vehicle from an auctionIm luckily enough that Im working close to where my girlfriend lives so I can still generate income while my car is gone, but not having one is making me nervous. If I got a second job somewhere to help with finance, how would I get there? What if my girlfriends car breaks or needs work?I feel like Ive dug a financial grave thats going to be extremely hard to recover from. Im ready to take the steps necessary to turn this all around and build a strong financial future.Im not sure where to go from here so Im hoping you kind folks can start steering me in the right direction. Feel free to ask more questions if you need clarification.  <response>: Wow man. Well 2 jobs is a must. I think the car is a priority so as to get to work. Cut everything that isnt necessary ie. eating out,movies,netflix. Owed 15k at one point. Got two jobs. Did nothing but work. Paid it off. Bout a car at 24k after interest n all. Paid that off in 3 years. Right now i owe 13k in credit card. Paid bout 3k in last 4 month. I make bout 500 a week and jobs sometimes require mandatory ot wich can get upt to 800-900 a week. I would say find a job that pays more. Good luck to ya! 