<prompt> Human: Im reaching out to all of you because im having frequent panic attacks about my financial situation yet I cant seem to fix it. I currently make 2450 a month in a job that I am able to ride my bike to. I love this job and I dont think my income is THAT bad yet I cant seem to come out on top finance-wise.What am I doing wrong? I have 0 in savings! Ive tried making budgets and then never end up sticking to them. Heres the breakdown of my monthly spending, please help me with any advice you can.Rent: 670 Family Loan: 500 Owe 1500 Federal Loan: 540 Owe 48923Credit Card 1: 48 Owe 1488Credit Card 2: 100 Owe 1762 Highest Interest RateCredit Card 3: 25 Owe 272 Cell Phone: 65 Utilities: 74 Groceries: 150 Fast FoodBar: 150Medications: 59Im so tired of being depressed and anxious about money! Please help me!  <response>: Wait, you owe 1500 to a family member and are paying them 500 back each month? Itll be gone in just 3 months! Stop going to the bar for 3 months and hang in there. Once thats gone, youve got an additional 500 per month available. Then use that to pay down your credit card debt ASAP, starting with number 3 high interest, quickest to pay off, then 2 highest monthly payment then 1. If your numbers are correct and you dont start any new spending, you could have the family loan and all 3 credit cards paid off in less than a year. Most people would be thrilled to be able to get out of debt that fast. You can do this!With the family loan and all the CC debt gone, you freed up about 670 per month! Use some of that to start saving so you have money when life happens, and use the rest of it to pay down that federal loan! 