<prompt> Human: So it has taken me quite some time, but I am now realizing my finances and spending are a nightmare. I have a good job where I spend roughly 4-6 months away and 6-8 months home, usually split in cycles of 3 months on 3 off if the schedules work. Being young and not knowing much I was a spender and now in this situation where it feels like I never have any money in my account. So heres what my situation looks like...Income before tax roughly 110,000, take home pay around 70,000Credit Card Debt 16,000Student Loans 71,000Truck Loan 39,000Car loan for side work 9900Motorcycle loan 17,000Rent 1125monthI pay probably 1100month for student loans, 1654month for vehicle loans, rent 1125month rent, utilitiesmisc 400-450.Through work I have a pension, 401k i contribute to 6, money purchase benefit plan employer Contributed roughly 10 base salary. Im in the process of trying to create a budget to track my spending and actually start saving rather spending it all. Looking for help and advice and maybe some moral support that Im not as fucked as I think I am, but probably true. Any help and advice is more than appreciated. I want to enjoy my life but not think about money and debt and bills 247.  <response>: Take some time to read and absorb the financial flow chart That can serve as a basic plan of how you should move forward.You need to sell the 39,000 truck and get into something much more affordable like a 12,000 used Honda civic.Im assuming Motorcycle 17,000 means you owe 17K on the bike? Sell it.Learn to live a frugal lifestyle and start putting big money towards paying off the debts. 