<prompt> Human: Im posting under an alt account because Im so embarrassed; my girlfriend knows my financial trouble and my usual account but I dont want to worry her. That doesnt even make sense. : I feel like such a fuck up.Im mid-twenties. Currently Im subleasing my girlfriends apartment while shes away. Shes back and forth if she wants to move, I think its a good idea as we arent sure if her landlord would grant me a lease, too. Ive been looking at places with a friend, we found a couple in the 600-800 range. Theyre all two bedroom as his lease is ending in August, too and he needs a new place to live.I have problems though. I have about 13k in debt -- half of that is my car and half of that is credit card. My rating is in the dumps about 575 the last time I checked. The card debt is split over four accounts: one with 5100, one with 1000, one with 400 only one that isnt maxed out, limit is 1000 and is strictly with a garage and one with 600 that is in collections. I have another account in collections that I contested and it hasnt been acted on its for 600 but only 300 of the debt is valid, I offered to settle with the phone company if theyd adjust it to what it should have been, but they wouldnt and sent me to collections. I dont have interest rates on hand right now, but I should be able to get them fairly easily. I know my car and biggest card have the highest interest.My bills break down this way:Car -- 240Phone -- 116 I know I should probably cancel my smart phone plan, but I dont have 300 to do thatInsurance -- 103 down from the 170 I was paying like a dipshitCC1 - 150CC2 - 40 minimum is 30CC3 - 20 CC4 - 25 autodrafts from my accountRent for me is about 200 total rent is 400, shes paying half of itUtilities are usually about 50 for me.___944Gas for me is about 20-30 a week depending on how much I drive. Work is about 4 miles from where I live, if I only go to work and home typical I can stretch 30 over about a week and a half. I recently fixed some issues with my car so hopefully this improves.Food -- I spent 50 yesterday and Im hoping to stretch that a week and a half, maybe two. I dont eat much myself -- usually the equal of two meals a day.I work about 38 hours a week retail, so no set schedule. Currently, I make about 12.5 an hour but I know Im getting a pay cut probably at the beginning of July -- best case scenario is 10, putting me at 11.25 I can remain solvent in that case. Worst case? If I dip below 10.50 I dont think I can. :Im not going to make excuses, Ive made plenty of mistakes and now I owe a lot of money. My choices were ultimately my own.I love my girlfriend and I want to live with her. I realize that it may not be possible, however. Regardless of if we move, stay here or I have to move, I need to do two things: save some money my savings is at 2.15 right now and come up with a plan to get rid of my debt. I realize neither will be easy.Basically, I need advice. I dont have any assets to sell I have books, but nothing worth of value. I have an old tower I use as a personal server that may be worth 50, a laptop that is basically my life, a monitor and speaker set that might fetch 100 together, 200 if Im lucky. Id hate to see them go, but I could live with it.Im thinking of getting a second job overnight to earn extra money. The prospect of being even more exhausted all the time isnt enticing but Id rather be tired than homeless. :This has turned into a dumping ground of all my insecurities. Im sorry, I just really need advice on what I should be doing because I have no fucking idea.: I canceled my account when my contract ended. I gave proper noticed and checked several times. They continued to bill me for service and when I called they said that they had no record of it. Of course, I dont have it either. They sent me to collections when I refused to pay twice what I owed. This may have been hard headed of me and I know its hurt my credit and will probably bite me in the ass, but I refuse to be taken advantage of and lied to in such an obvious fashion.  <response>: If you can get a second job, do that for a short time - it wont be your entire lifetime, but get focused on getting some of those CC debts down, consolidated and eventually eliminated. A second job, even just pulling in an extra 100week or so, would give you a bit of breathing room. If you got a job at a food place, you would probably get discounts on food, being a double gain reduced food expenses and increased net income. You dont have much to cut - your problem is more of an income problem than a lifestyleoutgoing problem, so do what you can to get the income up in the short term. Longer term youll need to look at doing what you can to earn more from a single job, but take this one step at a time - increase income to reduce your debts, then take stock about what to do to increase income more dramatically over time. I suspect a single job making, say, 38k, would make a significant difference in your situation, assuming you didnt go back in to more debt. 