<prompt> Human: Straight to the point because I dont know what to do. DebtMasterCard: 3200 on 2k limit 22.99 from late payments 35 dollar over limit fee each statementVisa: 4575 since last statement on 4.5k limit 19.99Current payday loan: 472 auto debit due on my next payday Nov 30Loan from a company called mogo: 1700 with bi-weekly payments of 70.80 that dont actually pay down principle Instalment loan from MoneyMart: 3700 left with biweekly instalments of 140 due to be done april 2019Cellphone past due: 550 Main bank chequing overdraft: 300 of 300 limitSecondary bank chequing overdraft: 116 of 100 limitMonthly ExpensesRent: 600Hydro: 50 fluctuates due to electric heatCellInternet: 100MasterCard Minimum: 90Visa Minimum: 80Mogo loan monthly auto debits: 141.60MoneyMart monthly instalments: 280Monthly losses due to payday loan re-loaning: 14020k in student loans that are interest free and I dont have to start payments on until October 2018Monthly IncomeJob during the semester: 1650-1750 depending on being able to accommodate a few extra hours. Paid on the 15th and last day of every monthCurrent AccountsChequing1: -300Chequing2: -116Savings: 0TFSA: Dont have oneCash: 18.65Additionally First thing I would really like to scrape money together for is a mattress, currently sleeping on my own couch every night.I dont have a budget, because I get overwhelmed and give up every time I try to tackle this situation. Looking for any input on the best way to tackle this. Assistant: The best way to tackle this is with a budget. What are you spending on food and entertainment?Sorry, but I dont think you can afford a mattress right now.Human: Food: 20 a weekEntertainment: someone elses netflix and occasionally 30 bucks at a bar twice a month re: mattress, yeah Im not in a position to buy anything right nowIm going to start putting that together when I get home.Its when the payments near or exceed income that I get down about it, give up and put off touching it again  <response>: Food: 20 a weekNo way. Track this more carefully.This means food out and groceries.occasionally 30 bucks at a barYou cant afford this at all. Not twice a month. Not ever, as long as youre in debt. 