<prompt> Human: Hi all, this is my first ever post on reddit. Ive watched this sub and decided to create an account and start here because I need help. I hope Im doing this right. So to begin I was working a job where I made almost 40k a year and circumstances made me decide to leave around January. While I had this salary I still made minimum payments and went paycheck to paycheck but that was because of poor spending habits. At the end of the day I always had enough money for whatever I needed. Well after leaving that job it was much more difficult than I expected to find a job. My first job I worked at 7 years and it was food industry customer service; nothing that I went to school for. After almost a month I got a job at a café. Minimum wage, less than 30 hours a week. My SO has about 25k a year so we were doing OK but our spending habits in the beginning werent as cautious as they should have been. We started to get behind on bills. Then unexpectedly before my 3 months they let me go. So for a couple of months I was again with out a job. Its like we were in denial.. pretending it wasnt a problem and now the problem is too big for me to wrap my head around. I just started at my new job. We have phoneprobably 350, utility250 and Internet200 bills all past due and I am over drawn in my bank account100 and I have gone over my limit on my credit card. I also fear that because of my bad spending in the past my credit score wasnt too great and now Im terrified its way too low. How can I make this better as fast as possible? Oh also my car hasnt been running for months but its parked somewhere it isnt allowed to be and I have to move it SOON but cant even afford to have it towed anywhere and dont know what to do. Im sorry if this is too rambling I just need advice and no one I know can help me. Thank you  <response>: First thing first, put that credit card directly into the shredder. After that you need to itemize everything you owe and how much you bring in every month. I hope that phone bill is the past due amount. If not, you need to seriously cut that thing. No reason to spend any more that 60.00 a month for a phone some will tell you even that is way too high. Do you want to keep the car? If not try to sell it as is with the buyer being responsible for towing. 