<prompt> Human: First post on Reddit, so forgive me if its full of fuckery. I love my mother, but I was raised with the addiction of spending money, which I am trying to stop. I work retail and average about 30k per year. My first paycheck of the month is my hourly which is around 550-600, and my commission check is around 1,600 hourly net for everything. Anyways, I am depressed as fuck, because I am in debt and really need help getting a plan worked out on getting out of debt and being financially smart. I have planned on taking 10 out of each check and just throwing that in savings, but I need ideas for cutting down my debt. I have the potential to make about 1,000 more per month at my job based on commission and motivation, so keep that in mind.I do have stock with my company at around 3,000 and 600 in my 401k. Debt - School Loans - 15,000Car - 6,000Other - 1,500 Bills month - Rent 600insurance - 120Food - 200car - 210internet - 100electric - 30phone - 260other - 60Ive lurked here for awhile, and would love some help.  <response>: Theres a nice, simple application called you need a budget. Things like this will help you see exactly where you spend all of your money and will help you control your outflow. It has helped me alot. Im actually a month ahead on everything just 5 months after starting it.A few tips: Dont lie to yourself about where the money is going and dont try to justify bs spending. If you want something, save for it. Update your budget based on your back but spend based on your budget dont look at your bank funds to make financial decisions. Create funds - in the app - to save money that you expect to spend later.Its a hard habit to break but once your finances are under control the freedom and reduction of stress feel so good.EditAlso, your future self would greatly appreciate if you did not reduce the funds in your 401k. Best to add funds to it - post tax 