<prompt> Human: Im in such a big mess I dont even know where to begin. Im a 24 year old male, I own a house, I work under the table. Ive owned my house since March 2011. I inherited the house along with three other family members in 2010 when my great grandmother passed away. I ended up buying out the other three family members and took ownership of the house for a really good price. Its an older house that has never been updated other than a new roof maybe ten years ago. I got an inspection from the city and it needs a lot of updates. The house is fully paid off, I do not have a mortgage , although I owe two years of back taxes that I am currently on a payment plan for as long as I dont fall behind on the current taxes.As of right now I dont have any of that money saved up to pay the current taxes. They are due in September. I am behind on my utilities and Ive been struggling to catch back up. The house doesnt have insulation on the outside walls and the windows are very old and let the hot air escape during the winter. So my electric and gas bill get so high in the winter time that I have to get on a payment plan and work all summer to pay off the debit I built up in the winter only to do the same thing the following year.My credit score is very poor and I cant get approved for any kind of loan that I know of. I make between 400-450 a week under the table. I cant find a job that can pay my at least that much on a payroll. Before I got this job I was working at a Subway managing two stores. The owner only paid me minimum wage which was 7.40 where I live for six months while I was opening and closing, doing truck order, making the schedule, and hiring and firing people. After the six months I asked him for a raise and he gave me a 0.25 raise so I was making 7.65. I didnt think that was very fair to me, so I left his business and found this job through a friend.I guess Im just looking for some advice on what I can do. I just dont know where to start. I think if I was able to get a small loan that I can make a payment on every month that would help me a lot. I dont have any family that can co-sign for me. Im a hard worker and I just want to be able to go day after day without being stressed out over all of this. Its really taking a toll on me and I really want to change. I hope this is the right place to post this.Bills:Phone bill: Prepaid T-Mobile 50 a monthMy gas bill is 283 a month on a payment plan. During the winter months my gas bill jumps to 350-400 because my house doesnt hold in heat.My electric, water, and internet are on one bill. That bill is usually 200-300 in the summer and 350 to 450 in the winterBetween January last year and March this year I was making payments toward my back taxes for the previous years I didnt pay them. I owed around 6000 for back taxes plus the current taxes last year. At least 300 a month until I got on a payment plan this year. I now pay 128 a month for five years to pay off the back taxes as long as I stay current on the taxes and dont let anymore fall behind.I live in Michigan, so no fault car insurance for my 97 Ford Escort was 320 down and 263 a month for six months. I only paid 700 for my car. I stopped paying the insurance on it because it is ridiculous. But my car died on me in March of this year. So I had to buy another car because the engine was shot on my Escort. I paid 1400 for a 01 Ford ZX2 from my sister. Fortunately my dad put me as a driver on his insurance for 110 a month which is a lot more affordable.As far as food goes I know I can cut down on my spending. I spend at least 80-100 on food every week.I put 40 in my gas tank every week so I can get to work.  <response>: Youre making 1600-1800month under the table with no mortgage. Where is this money going?You need to provide a lot more information. List all of your assetsdebtsincomespending with specifics ratesamounts. 