<prompt> Human: Hello. Ive been lurking and reading up on finance management for a few months now. My whole life up to this point, I really havent paid any attention to my long-term finances. I know I no-longer want to live paycheck to paycheck, and Im trying to find a better way to start managing my money efficiently and most importantly learn how to budget as I suck at not spending money. Ive recently started a salary position and I net twice-monthly 1,200. I am currently around 5000 in debt. 2600 being my car, and 2400 being credit card debt. I would like to consolidate this. And my credit is god-awful. Score 497. My monthly bills not including credit paymentsfoodgasetc. Add up to 1095 monthly. I know I dont make that much money. But Id really like to start saving money and putting it into investment accounts. No matter how much I read up I still feel overwhelmed and I dont know where to start. Anyone give me some tips?  <response>: Whats stopping you from taking 1k per month and just crushing that debt in less than a year? 