<prompt> Human: So, Ive got myself dug into a hole, and Im really trying to get out of it. I wasnt raised with good money habits, and now Im 25 and trying to figure it all out on my own. Ive got a credit card debt, student loan, and Im in this awful cycle of payday loans from when I was unemployed, I owe a buddy 600, and right now I still live in my Dads basement. He and I really dont have a good relationship, things are incredibly awkward and we dont talk, ever. I realize I need to move out, but Im feeling buried.I have everything written down in full detail on a sheet of paper, and Im just wondering...should I just upload it right here, for people to analyze? My bank account is through Chase, will they help me go through my finances, should I reach out to someone there? Anyone here thats willing to go through some PMs? I dont know how personal I can get here on this sub.Thanks for anyall advice! :EDIT: Ok, here is a link to my current financial situation. I get paid on the 10th and 25th of every month, just around 1200 after taxes on each paycheck. I worked overtime last week so that my paycheck for July 25 will be around 1350-1400, but that was a one-time thing for July 4th. This paper doesnt include food.My Check City loan is due in full on the 25th. I am in a bad cycle with these loans. I took one out back when I was unemployed. Then, I postpone paying them until they are due in full, and when I pay them, they take my whole paycheck, so I feel forced to take out another loan, to stay afloat. My paycheck will be 1400 and my payday loan due is 1300. With my Insurance and CC payment due, I wont stay afloat until my next paycheck, so I feel like I need to take out another 500 payday loan. I know, Ive really screwed myself. Almost all of this debt except the payday loan is over a year old. Im just trying to clean myself up now.I hope this is clear enough. I appreciate any and all help. I really want to move out of my dads basement in the next 90 days or so. Will this be possible?  <response>: Id make sure I have enough money to pay off the pay day loan by the 25th. That means setting aside about 700paycheck. Bum food off people if you have to.Next, Id go to a couple of banks and credit unions and refinance the car loan. Anything in the double digits is really high. You should be able to get something in the 2-8 interest range unless you actually have horrendous credit. But let the bank decide that. So you should ask.If you are not upside down on the car, consider selling it altogether. I guarantee the stress is not worth owning it.Id make it a priority to pay off the debt to the friend next. You dont want to lose a friend over money.Consider dropping the expensive Verizon plan and pausing your Netflix subscription for a few months super easy to do online, you dont even need to call anybody.Then throw everything you can towards debt. Pay minimum on everything except for the one with the highest interest rate. 