<prompt> Human: Im a highschool dropout and working part-time making roughly 800-1000mo. The debts are from credit cards that Im barely keeping myself from maxing out by paying the monthly minimums.My bills are around 600mo. not including food, cigarettes, etc., Im putting a hold on my gym membership which cost me almost 200mo. I intend to get my GED and get a post secondary education but Im bad with money as I blew almost 2K in savings and Im a total loss as where to begin.I hope I caught myself before the situation got bad, and I really want to create better financial habits before I put myself into further debt with the loan. Please, any help would be much appreciated.  <response>: Stop smoking and look for full time work. 