<prompt> Human: Im 26 year old Canadian and my finances are a mess. I was never taught how to handle money properly and I need to get this in control.2-3 years behind on tax returns6700 Student Loan1300? 2 cell phone bills in collections 500 old cable billStudent loan is destroying my credit. Im overwhelmed. I make no payments. I ignore it hoping it just goes away. Wrong approach I admit. Im considering considering my debt. Probably wont be able to because my credit is terrible.Credit report has been a pain to acquire.Ultimately, I want to progress. I dont even bother with committed relationships because my financial downfalls are very unattractive.Lastly, I move all the time and piss away money. I can hold a job but never make an effort to pay bills.Where do I start?  <response>: Why are you here? Youve already identified your problems and how to fix them. Stop moving all the time. Stop pissing money away. Hold a job and pay your bills. 