<prompt> Human: If I should post this somewhere else, please let me know...I am currently in a payday loan death roll, as my payment to them just bounced. Im totally screwed, as I dont get paid again until the second week of August. Ive been in danger for a while, I know it, as Ive been extremely irresponsible getting in this deep and have basically been living from one payday loan to the next to help me pay bills. I know this was a huge mistake and I want to be free of this reliance that is now ruining my life. How do I start??Note: YES, I KNOW I am incredibly stupid for even getting one of these loans, so if thats all you have to say, please save it. I feel terrible enough already.Assistant: Id start with a second job to increase earnings, and a budget to reduce expenses. Human: Unfortunately, I dont think a second job is possible, as I work about 60 hours a week and I am on-call about every other weekend. What I need is a kick in the ass to start watching my budget. I have never been good with money, at all. I have no idea how to get my head around it.  <response>: Yeah, 60 hours per week is plenty, its just a matter of cutting your spending. Budgeting - paying close attention to every dollar you spend - is the main thing. Learn to cook too. 