<prompt> Human: Original post here: So I finally got my shit in order.It took a few months, quite a few slightly-boozed evenings, but my finances are generally somewhat organized, and I pretty much know where things stand. If nothing else, I dont feel freaked out about my money situation anymore.I am filing taxes for the last three years, and according to the tax software I used, I owe the IRS a whopping four dollars from 2012-2014. Ill check in with a CPA to see if I cant get any returns, considering I made so little 28k in NYC those years. This year I should get around 800 back. Cool, nice. I also now know where I am, debt wise! I owe 800 in student loans, 600 on credit cards no interest yet, and Ive increased my credit score from 605 to 700 according to CapitalOne. I also have a Roth IRA I opened when I was 19 and forgot about with about 3k in it. I moved my automatic payments Netflix, Hulu, etc to my credit cards so I stop getting overdraft fees when I forget that those are coming...And to those recommending increasing my income, I got a small raise to 45k per year. :I still have some shit spending habits food delivery, booze, cabs home but Im slowly teaching myself to cook and becoming more responsible. Mostly what helped was making sure every financial account I had also had an online system that was easy to use and navigate. I dropped one service a credit union, moved to Chase because it was impossible to get my online account set up and find my routingchecking info without jumping through a bunch of hoops, showing up in person, and calling multiple people. Fuck that shit.THANKS GUYS!! 3  <response>: I think the key here is exactly there: Admitting you have some shit spending habits and teaching yourself over time to reduceeliminate your habits. I think that is the biggest thing I have learned over the years: you cant learn finance overnight, but working on the things you know you need to change over time makes it a lot easier. 