<prompt> Human: Im 30f very sorry to ask-Im so shaking with anger and upset I cant think straight to google or talk a connection on the phone for guidance. The internet can be so vicious, so please be patient; its all my fault. I make very stupid mistakes with money and get excited and over pay bills which sets my plans back. Ive used ACCC for credit cardidentity theft problems from my 20s. Today, though, IFU AGAIn. I never seem to think clearly enough to get on top, even when I try Im entitled, stupid, careless, etc. Id be the first to say that its all my fault. I am posting this because I feel so crazy with desperation: is there a thing where someone will sit down with me with all my bills, not steal my identity, and help me get a handle on my money? My dad manages my investments, but we have a terrible relationship. Id like to take my investments to someone who will respond to me and help me-not treat me like a child, ignore me, act like Im too stupid.I make 90k a year, am an evening grad student, 45k student loans but I was destitute before school-so it made sense, credit card debt, ignorant about money, investment plans. Ive read all the blogs. I have all the spreadsheets. Each paycheck is 2000. I thought id get a tax return this year-I didnt for some reason. So I paid the 900 I owed to IRS my pay went from unemployment in 2014 to 78k in Jan 2015 to 87k in fall 2015. The car I never drive had a 1000 bill. Roommate deposited 2 FebMarch rent checks 1000 each within 1.5 weeks of each other- for some reason she just didnt deposit like usual. Today, my paycheck deposited: Chase was overdrawn for the above bills at -1600. The 1700 deposited to Chase was immediately hit with 74 Geico bill and 70 Sprint bill-overdrawn again. Also auto deposited 300 from my paycheck to my other bank 150 goes to a loan that I took last summer for a 4k tuitionstupidity bill. This loan balance is now at 900. 150 also goes another to credit card bill payment. Auto deposited 380 to the 401k balance right now at about 12k. Also, I thought I was getting a raise from 87k to 90k, so I changed my 401k contribution from 6-11 for some stupid reason, which took my pay from 2077 to 2000. Next paycheck is in 2 weeks. Im overdrawn again and currently trashing my apartment looking for books, things, clothes, old electronics to sell on craigslist. Please please help me-Im hyperventilating and feel like I cant breathe. I feel so stupid and desperate, I dont know what to do. I think it would help to sit down with someone and look at my spreadsheets, pay stubs, plans to get back into financial health so I can move somewhere cheaper and not look back on my opportunities and see a money pit.  <response>: You need to produce a FULL budget, including everything you spend your money on, all of your bills preferably ordered by date theyre due vs dates of your paychecks. You may be able to get some due dates on some of your bills changed in order to better line up with your paychecks. That may help you get by until your next paycheck and be better suited in the future as well. How much is your account overdrawn currently? Also, try 