<prompt> Human: Previous post.First of all I want to apologize for being rude or an ass, not just to some of you guys but mostly to myself, as well. Ive realized from all of your comments that more than financial problems, I have self-hatred issues that seriously need to be worked out. I have way too much self-pride and that is seriously getting in the way of my finances. Part of the reason Im on several medications and seeing a shrink, no excuse but whatevs. Secondly I want to thank you all for trying to help me out. I got a huge amount of feedback and no, I dont want to kill myself anymore. Im scared shitless, but I feel much better about where to go from here thanks to all you guys.Thirdly I filed my taxes today and I was overjoyed when I discovered I might be getting over three grand back. I was only going to get a grand, which wouldnt have helped that much, but because of my car I might be able to get up to 3,547, according to Turbo Tax, so I really want to use this money towards all of my bills and figure out, with your guys help, where to put that .And so finally, Im ready to work on this, like a real man, instead of whining like a little bitch. Of course I never wanted to kill myself but god holy shit I felt like I did last night. Anyways, Im ready to start moving in the right direction with this tax refund.So heres a breakdown of my monthly bills right now:- Car Payment: 291.16 15,469.48 Grand Total Interest: 5.75- Car Insurance: 83.43- Total School Loans: 12.51 12,430.46 Grand Total- Old T-Mobile Final Bill: 93.46 One time fee- Phone Bill: Anywhere from 70-90- Medical Expense - LabCorp: 23.74 One time fee- Medical Expense - Shrink Visits: 90 Ive had a few visits, and have already stacked up a few hundred dollars. I will need to call and see about making monthly low payments soon to continue getting the medshelp I need.- Credit Card 1: 308 Because Im super duper late, normally itd be around 100 I believe, not sure. Grand Total: 5,178.82- Credit Card 2: 87 Grand Total: 1,000.59- Food: I could probably survive off of 100 a month on groceries.- Rent: 439.90 Plus utilities, which is cheaper now with my third roommate, so thats about an even 500 for rent a month.So there it is. Im not really what to do with my tax money. My last two checks have been just about 400 each, but that was because I called in multiple times depression, new medications adjustments, drug problems..., but if I go in and make my 40 hours I know I can make 600 maybe even 650 a check, which would round out to about 1,300, but lets say 1,100 to be on the safe side. I am not worried about my credit cards: those are what Im paying last, if I have extra. So, any advice on where to go from here? Assistant: You owe more on your car than you make in a year. Its killing you; sell it. I dont see a line item for gas here, but Im guessing thatll free up at least 400 a month for you. Pay Labcorp and get it off of your plate for 24. Same story with T-mobile. Make minimum payments to everything; you cant afford late payments. Ultimately, youre going to have to boost your income somewhat. Your bills cost more than you bring in a month, and until that changes youre just buying time here. Your options are more hours, a better paying job, or government benefits, as youre below the poverty line.Dont despair; youve taken a bold frist step.Human: You owe more on your car than you make in a year. Its killing you; sell it. How do I sell a car I just bought? Craigslist? A dealership? Do I give it back to the Honda place where I got it? I have no idea how to sell a car or how much to sell it for, I know absolutely nothing about cars... not saying Im not willing to learn, just saying it would be quite a process for me to do that.Is that really the only option, though? What if I start killing myself with OT? What if I apply for jobs left and right? I forgot to add in that I do have an IT Associates degree that I could be making well over 15 an hour right now I make 10, if not more. What about finding a cheaper place to live?I will definitely pay the one time payments first, then. And thanks for the encouragement, I need it. I will also see about benefits with the government, maybe food stamps or something.  <response>: Is that really the only option, though?No, but its the most obvious one. Spending too much on a car is a problem for a lot of people, and we see it here all the time. The success stories usually start out with I sold my car and got a beater.... But obviously if you started making 50 more money that would help a lot. 