<prompt> Human: I need help in deciding which direction to take in getting a car.I used to have one but I gave it to my mom so she can take the kids to schoolsports practiceetc. hers broke down and we had to scrap it. I am 21, work at Starbucks on the weekends for benefits and medical insurance. I just got a job as an assistant Mon-Fri, but I dont make nearly enough to pay all my bills. So my monthly income comes to a little less than 1,500. Why my credit cards are almost maxed outI lost my job as a server in December because management was awful and they didnt approve my reason for calling out one night. I have a chronic illness that takes over my life. At the time I called in, I was sick and was going to the emergency room. So they just said I couldnt work for them because I was always calling out. Anyways, I worked full-time at Starbucks but had trouble finding another job. Whilst looking, I had to use credit cards to help me pay for the rest of my bills.Monthly Bills Rent: 800 UtilitiesWaterGasInternet: 100 Car insurance even though my mom has it and I never use it: 250 Phone bill: 240 I have to buy my little sister a phone for college since my mom cant afford it Student loan 50 I have 1,500 left Doctor visitstherapymedications: 250Hospital billsI was hospitalized for three weeks this past April so I didnt make any money. Which in turn, added more to my debt. AmbulanceHospital bills: 2,500Current credit card totals Target groceries and occasional clothes only: 80 Amex: 1,500 Chase: 3,000To make things worse My lease is up in August. So I need to find a place to move and start saving for the deposit. TL;DRI need a car to get a third job. Cant afford it. Debt keeps growing because I cant get a job without a way to get around besides walking. Whats the best way to fix this? Assistant: I have to buy my little sister a phone for college since my mom cant afford itUm, no. When I went to college, only the super-rich had cell phones. She can cope. Edit: also, cheap phone prepaid plan is way cheaper than this Whilst looking, I had to use credit cards to help me pay for the rest of my bills. Rent: 800No idea where you live, but sounds like you need roommates, and you need to scale back your living expenses to match your income. Car insurance even though my mom has it and I never use it: 250Terminate if youre not using it. Doctor visitstherapymedications: 250Really? 4kyear?Human: I dont want my little sister who is only 17 to go to San Francisco without a phone. Thats dangerous. Once the phone is paid off the bill will only be 140.I do live with another roommate. I live in Orange County and our two bedroom apartment is 1,500 monthly. I pay 50 more for my pet. A studio is 900 if youre lucky. I also dont ever go out I work 7 days a week. So whatever I make, I use on bills. I would but I cant have my mom drive an uninsured car. What if she gets pulled over? What then? Plus, I need a car asap. Ill still be using the insurance. 3k a year since I was 5.  <response>: I dont want my little sister who is only 17 to go to San Francisco without a phone. Thats dangerous. Once the phone is paid off the bill will only be 140.There is a big difference between having a phone for safety, and paying 240 a month for a phone bill; your sister doesnt need an iPhone for safety. 