<prompt> Human: Hi All,First time poster here. I am on mobile so please excuse any grammatical errors or issues. Before I begin I want to thank everybody who took the time to read this and offer insightful responses.I first want to say I envy many of you on this subreddit as it appears that you are all very well versed and have the knowledge and discipline to put yourselves in a comfortable financial position. On the other hand, I have dug myself into quite a hole and feel like there is no way out. At least I dont know how to begin to dig myself out of it.A little backstory about me. I am 35 years old and have a 5 month old daughter at home. She means everything in the world to me and is the main reason I am looking to get my life and finances in order. I have a history of partying and spending extremely frivolously but have since stopped after hearing my girlfriend was pregnant with our daughter.I have a fairly decent paying job 60k but cant seem to build up a savings and stop living paycheck to paycheck. I currently have about 30k in debt and dont seem to be making much of a dent throughout the years. I currently only have 20k in retirement, and horrible credit 580. Pathetic I know...What is the best way to approach this and start turning my finances around so I can stop living paycheck to paycheck and finally build a savings account, contribute to my 401k, rebuild credit, and start building financial freedom for myself and daughter. I dont want her to suffer for the mistakes Ive made throughout my life and just want to do right by her.I appreciate any and all help or advice that is given. As this is Reddit Im sure the trashing and shit talking will come along with it so that is welcome as well. If somebody reads this and is serious about guiding me, please feel free to ask anything you feel is needed to help understand my situation. I will be very open and honest and answer all questions truthfully.Edit to add Income ExpensesAt this time I do not have interest rates, clearly a reflection of my poor financial management skills Im sure but here is what I am working withINCOME - 1725 net pay bi-weeklyEXPENSES - MonthlyRent - 1000Car Note - 315 paid off in 10 monthsChild Support - 950 Back Taxes - 270month_Total owed 15k-Phone - 125Credit Card 1 - 75month_1500Credit Card 2 - 100month_2000Utilities - 105monthCableInternet - 65monthCable Alternatives - 24.99 totalmonthCar Insurance - 95monthGas - 125- per monthEntertainmentWasted MoneyMisc - ??? too much  <response>: Track your spending and make a budget. You cant stop living paycheck to paycheck until you know exactly where every cent is going. 