<prompt> Human: Last year I used the money from the settling of my dads estate to pick up a cheap house for my mom and I to live in for 58,000 and paid it off cash, so I dont have to deal with rent, but the utilities and property tax take out most of my paycheck from my minimum wage, part time job. Im currently the only income for the house, since my mom is trying to get a job, but since she hasnt been working for quite a long time read: my entire life its not going very well. She got a couple credit cards that we used to build up our non-existant credit last year, and two of them had my name on them. At the time when I still had some estate money left, my credit was in the low 700 range, but when the money ran out she used the cards to pay our bills and we never caught up, so now we have a few cards with a few thousand between all of them that need to be paid off, but I dont even really have enough to pay off current bills, so I pretty much have to rely on pell grants to keep things running. On top of this, we only have one vehicle in the house, a 95 pickup with 128k that becomes increasingly unreliable, and we need a second vehicle so we arent stranded if that one dies and to make it so both of us can easily get to a job. Because of the credit card situation, neither of us have any credit, so we cant go to the bank for a loan, so shes suggesting I get a student loan, though my older sister thinks its a terrible idea. Im currently trying to figure out a budget using actual online software instead of my moms method of many papers and envelopes scattered through the house showing what we need to pay for the month. Any ideas on how to get my situation a little bit more under control? Id appreciate any advice.  <response>: so shes suggesting I get a student loan,Your mother makes poor financial decisions. I would not advise you to listen to her when it comes to that stuff. 