<prompt> Human: Hi pf,I dont exactly know where to begin. I grew up very poor and was never educated on making smart financial decisions. I watched my mother literally destroy her future by making terrible choices and Ive tried to avoid following in her footsteps, but Im not perfect and Ive made mistakes. Im reaching out here to get advice on how to fix things. For the past few months, my financial situation has really started to spiral out of control and Im so overwhelmed I dont know where I should start. I have a BA and got pregnant right out of college, so now I have an almost 2 year old as well as a husband. I managed to land a job making 43k but I was driving apprx. 100 miles a day, and I couldnt take the commuting stress anymore and my car started having problems so I left. Despite searching for months I wasnt able to find a closer job that pays that much. Im starting a new job this Monday making about 33.5k. Removed husbands income for reasons explained in the comments.Here is a break down of my expenses.Monthly BillsDebts:Rent, 1100Internet, 70ElectricGas, 200Phones, 170Food, 200HuluNetflix, 16Car Payment, 255 12.8k total remaining balanceStudent Loans, 321 Total balance is like 35k, currently in forbearance and Im going to have the payment recalculatedPersonal Loan, 95 325 total remaining balanceRenters Insurance, 10.75Credit Cards:Target, 650Kohls, 150Amazon, 500Synchrony, 700Misc:90 in unpaid taxesSavings:75I feel so stupid and ashamed for wracking up the credit card debt and taking the personal loan. One thing Ive learned about myself is that when I get stressed or anxious, I tend to spend money to feel better. Im working to overcome this flaw.I havent been able to pay the credit cards since July, and Ive been too scared to call and talk to the companies stupid, I know. My husband and I were fighting for a while, so I was trying to handle everything by myself. He has just started contributing again financially this past week, so Im hoping that we can now get caught up and get rid of some of this debt.I really need help prioritizing this disaster and I would truly and deeply appreciate any input!  <response>: My husband and I were fighting for a while, so I was trying to handle everything by myself. He has just started contributing again financially this past weekHow long was he not contributing and where did his income go during this time?What are the minimums on the cards? Obviously, you need to pay the minimums so those minimums need to go into your budget.As the other poster said - pay off the highest interest debts first, call everyone, make sure things dont go to collections and fees added.If you forget to account for one thing you will screw your budget so I find it easier to manage personally to have an account into which I pay myself an allowance than to track what I spent. When that account is empty, I dont do anything fun for the rest of the month. Your allowance should not be the money you have left after your bills or you will never have savings.Especially within a relationship, it has money thats yours and neither partner has to touch shared funds or ask for permission, its a very low friction way to manage money - wages get paid into the shared account, shared expenses and bills get paid from the shared account, allowances get allocated from the shared account. 