<prompt> Human: Ok, so let me first off say that Im so happy to have found this place!! Ive been on Reddit for awhile now, but never actually participated or understood it. The last few days I may have become addicted...Anyways, like the title says I am on the verge of financial disaster! Backstory: I moved out when I was 17, bought a car I couldnt afford at a crazy high interest rate 29 i think, got 2 credit cards which I maxed out, student loans, got an apartment, etc... This raped my credit score early on in my life. I think I was down to 520 at one pointToday, age 27 my credit score is decent 710 last I checked, Ive bought a small homefixerup, have eliminated alot of old debt but collected alot more in the process.Current situation:Income: 60,000 take home 1700 bi-weekly after taxesDEBT: Mortgage - 63,873 2.89 bi-weekly payments of 215Consolidated Bank Loan - 7,299 15.2 bi-weekly payements of 166Line of Credit - 4,769 11 monthly min payment 50Visa - 3,927 21 monthly min payment 50Mastercard - 9155 21 monthly min payment 150Truck Loan: 52,000 15 bi-weekly payment of 341Family Loan: 950 150 monthly, no interest. BILLS: Home insurance: 101 monthlyAuto Insurance: 120 monthlyFuel: 350 monthlyCell: 50TVInternetHomephone: 150Electricity Bill: 150Oil: 200Grocery: 400INVESTMENTS:Locked-in RRSP: 11,000Other RRSP Employer portion: 1200A few other things:House:I bought my house a year ago. It was literally a dump! It was in terrible shape and most of my current creditcard debt has gone towards renovation costs. I paid 68,000 for it and put 3000 down. Ive done alot of work on it, so Ive been wondering if it would be worth re-mortgaging or getting a HELOC or something to consolidate everything?Auto Loan:I livework in the middle of nowhere! Im in northern Canada and having a 4x4 is essential not only because of where I live, but where I work A mining companyI was stupid when I bought my first car. I took out a 12,000 to buy a used car. The interest rate was insane, I think it was around 29. I was 18, no co-signer, little work history, 0 downThe car eventually died, so I bought a newer SUV that cost 24,000. I still owed over 9k on the old car, so I rolled that into the new SUV. However, I didnt pay enough attention and ended up getting put into a balloon loan for the SUV. When I had less then a year left on the SUV I decided to trade in for a new car, but quickly found out I still owed over 12,000 because of the remaining balancethe amount in the balloon portion. So I rolled that into a brand new car. I kept that car for 3 years and was paying something stupid like 570 a month. The car took a beating driving into the mine I work at everyday and eventually the motor went on it. Luckily I still had 1k of warranty left and the engine was replaced at no cost to me!! I quickly decided to trade it in since I knew the shape it was in and that it wouldnt last much longer. I also figured Id get a good trade in value for it with the new enginewarranty remaining. Cue the truck. I ended up getting like 20k for a trade in value for the car. I forget the exact amount I paid for the truck, but I still owe 52k as of today on it. Clearly this is my biggestworse expense, but I also consider it essential. Girlfriend:I do live with my girlfriend. She helps out where she can, but her income is sporadic and unreliable. Right now shes getting great hours and its been awesome, but I cant bank on her for contributing much. I typically get 400 a month out of her though to help with expenses.Thats pretty much all the essential stuff I can think of at the moment.Basically I am tired of living paycheck to paycheck. Ive become so miserable because everyday I have to worry about making ends meet. My gf wants to do things all the time or go out, but I always have to make up excuses because I just cant afford it! I need help and dont know where to start!On a side note, I just received 500 bucks today for the sale of a domain I own! So that will be going towards something immediately!!Please help :SAssistant: Why do you spend 200 on tv, cell phone, internet, and a home phone? Keep the cell phone and lowest internet package you can get. That is the easiest 100 you can free up.Call your credit card companies and tell them you are in hardship because you are and they might be able to lower your interest rates and effectively close the cards which is very good for you in this situation.Your girlfriend could be more supportive in your situation instead of trying to spend more money that you dont have. Hard work is the only way you will get out of this.Human: because we get screwed up where I live!!The internet is the lowestonly package available 5mb, lowest Satellite package no cable available here, and homephone is basic package I got the home phone because there was no service here for the longest time. And my job involved me being on-call all the time  <response>: Dude, youre teetering on the edge of bankruptcy. You cant afford even the lowest tier package of any of this shit. If you dont wake up to reality youre going to be in even worst shape; no cash, no car, no house, and no credit. 