<prompt> Human: First time Ive actually considered asking for some guidance to get my rather minimal debt down to near 0 and find a way to get a car.Income: 330week gross, about 295week Net My Monthly bills are as follows: 220 for Cell phones this constitutes my monthly rent also 45 for Car Insurance no car, allows me to drive other vehicles without risking their livelyhood 8 for Hulu 7 for Checking account rewards which is a net loss of about 1-2 a month 20 for Sirius XM 8 for Netflix 10 for SpotifyMy Minimums for the debt is: 60 for student loans 1800 at 6.8, 2800 at 2.4 46 for Best Buy 3400 19.9, only 680 is accruing interest, needs to be paid off by November to avoid approx 800 in deferred interest 45 for Bill Me Later 500 19.9, about 200 accruing interestI allot myself 100week for spending ranging from food, household items, etc.I know the obvious thing is to drop all of my entertainment things, which Im really considering except for Spotify that is my music outlet and I feel is a worthwhile investment vs buying music. Part 2 of situation:I need a car. My Credit Score according to Credit Karma is 639. This is after a Bankruptcy that cleared Feb 2012. I went back in July to get a used car, and I got about 20 financing denials sitting next to me with reasons such as Length of time accounts have been established, Number of accounts with delinquency, Derogatory public record assuming thats the Bankruptcy, and Number of inquiries on the credit file adversely effecting credit score.According to Credit Karma, this is what has happened on my account:2 Public Records Judgement in 2009 and Bankruptcy11 Credit inquiries 5 Finance, 3 bank, 2 automotive, 1 Classified 6 months prior to the other 107 Delinquent accounts 4 were involved in the Bankruptcy, 3 are my now up to date Student LoansThat last one confuses me, because I DID have a lot of inquiries, but all in a stretch of about 48 hours, so it shouldnt have shown up as multiple ones.Wondering if someone can give me some insight as to what I can do for both things. I feel I have a nice idea going thanks to YNAB for paying off debt, but when it comes to securing financing Im completely in the dark.EDIT: So um... Holy crap for a nice slap in the face from people I dont know. I definitely appreciate everything and Im taking it to heart. I had been paying almost 400month towards my debt, 250 towards BB, 90 towards BillMeLater, and 60 towards student loans... Im considering bumping the BB amount to about 450-500 and cutting every other spending down. I have about 400 incoming thanks to some ebay selling which will take my BML down to 30, so thatll get paid off next month and shoot another 90 into my BB card. Im just hoping nothing else happens to throw a wrench into this over the next 6 monthsIm seriously taking all of this to heart, and I am going to use YNAB to figure out if 600 a month is feasible right now... I have actively been looking for a new job, cause making jack shit working 40 a week and not being able to live on my own was a huge wake up call that this job doesnt care about its employees, but being an independent hotel, I guess I came to accept that I wont get more any time soon.Thanks to everyone, you guys gave me a jolt that I needed to hear from someone else to actually put some sort of stop to my spending habits.  <response>: You have 8500 in debt, that doesnt seem very minimal to me, especially since youre only paying minimum payments. Youre cutting it very close with your budget and not putting anything into savings. I wouldnt accept you for an auto loan either. You need to increase your income either a second job, try to get more hours in your current job, or find a higher paying job, reduce your spending yes, entertainment, reduce your debt pay more than the minimums, you will never get out of debt paying the mins, and give your credit some time to recover before applying again. Edit: I just looked up Spotify and youre paying for a service you can get for free with Songza. Get rid of Sirium too, download TuneIn Radio, who pays for radio? 