<prompt> Human: Heres some points for ease of what I have in debt. Also Im on mobile so sorry if its bad formatting. -a little less than 2k in student loans left. 50-around 2.3k in credit cards. 40-80 per month depending on the balance. -140 for car insurance and my phone.450 for rent at my apartmentHeres the kicker and Ill explain the reasoning I guess you can call it that. A couple months ago I bought a new car. A new mustang. Which after my old car loan brought the total to around 31k. Yea stupid me. Anyway, the reasoning was with the whole mandatory health care thing I was only qualified to get the Obama care stuff which was expensive as hell. I ended up last second being able to get it through work for super cheap. So I thought, well hey since I dont have to pay for that Healthcare I can put it towards a new car! Bad idea. I pay around 550 for the carAbout me. I earn 16hr ending up around 32-35k with overtime. Around 1900-2200 depending on my paychecks bring home. The only thing I can think of is swallowing my pride and trading in my car and buying something cheap. The only thing that sucks is Id only get around 18k for it. But whatever the new loan would be, would be better than 31k. Any advice?  <response>: Its been said enough, but Im going to tell you once again because its that important: Do. Not. Trade. In. Its only quick and painless until you realize the amount of money you just throw away. Also, sell now now now, especially if you live somewhere with cold winters. Nobody buys a Pony in New York in December. Good luck, I did the same thing a while ago divorce brain. Its going to hurt for a while having a crappy car and paying for one you dont even drive. But you have to do it. Dont sell your Mustang to buy a total pile of shit though. That can hurt you too. Calling in to work because your turd broke down again is an easy way to lose a job. Just ask poor people. Happens to people I know all the time. Part of being a professional is reliability. Sorry for the lecture. Just saying. Buy an Accord or something and stay positive. 