<prompt> Human: Some basic information, Im 30 years old making 32k a year only an AA degree from a community college. I have 10 years of experience working in auto parts sales. I have literally 5 in saving and less than 10 in my checking account. I have about 11,259 of total debt all with intrest rates over 6.8 that I make my minimum payments on very consistently. My big problem is my monthly expenses leave me with almost nothing. To save and I really dont know how to fix it without making more money. There is a chance I will be promoted and start making 40k a year but I dont want to have to bet my future on it. The single expens that kills me is child support at 400 a month. I dont really know how to start. PS if you want specific information on debts and the intrest rates on them as well as my other non debt based monthly bills Id be more than willing to give an itemized break down.Edit. From reading the posts, my understanding is I really need to nail down my daily expenses, food and entertainment. After doing so set save to cover a month of bills. Then Im not sure what plan would work better for me, snowball, or avalanche. I think a combo of the 2 would really help me. Pay off my small credit card, then my car so I can have some equity then go to the highest intrest rates. Please correct me if any of this seems out of place. Edit 2 the company 401k plan is 100 match for first 2 of payroll deduction then 25 of the next 4 of deduction. I am currently at 3. The stock plan is 15 off of market value and I am currently doing a max 5 payroll deduction for it.Edit 3 just changed my stock plan to 0 deduction for now, but bumped my 401k up to the max 6 or matched.Assistant: Monthly billsCar payment 202.21 balance 2900 intrest rate of 9.99Student loan 1 50.21 balance 1,100 6.8student loan 2 79.71 balance 3100 6.8Credit card 1 15 balance 780 limit 800 17.55Credit card 2 85 balance 2860 limit 3075 19.9Child support 400Auto insurance 119Cell phone bill 55Gas 75This added is 1100 rounded upMy average take home per 2 weeks is 800Food really not sureLiving expenses have not been settled out currently living with my girlfriend and her grandparents still figuring out the billsEdit: I live in Florida, on the east central coast. Human: I work for child support. How long ago was your order entered? Was the income based on what you are making now, or were making more at one point? If you income has changed since the order was entered you can request a modification to lower your payments. Depending on the difference between your current payment vs new payment, it may go down. Assistant: Well heres the thing. I was not married but I was engaged when my daughter was born. I live in Florida, but I dont have a court agreement on any of it, visitation, child support non of it. We just kind of agreed on a number when my daughter was 6 months old and I have been paying it since, she will be 7 in September. Im deathly afraid of taking her to court on the chance Ill have to pay more. Her mom and I are on good terms, she is married with 2 more kids with the guy. I have no idea what their income is.  <response>: Its possible you could pay less with an order, but impossible to know without her income. Over the long term though its best to stay out of the system altogether as it will give you problems you wouldnt wish on your worst enemy. 