<prompt> Human: Hi guys,I needed some advice to help pay off my credit card, for the first year I had it everything went well, it got paid every month with no problems but with a few irresponsible decisions here I am with it maxed out. The limit is 2300. I make 16hr working 40 hour weeks. At this point I no longer have anything in my savings, so Im on the edge of I dont know what honestly. Im just looking for any tips you guys may have for keeping expenses low. Thanks!  <response>: Im just looking for any tips you guys may have for keeping expenses low. Stop spending money on your credit card...? You need to cut up that card and go on the cash envelope system for a while. Make sure to include your credit card payments in your budget. 