<prompt> Human: Not really an excuse,but I grew up in a single parent household where my mom had no idea how to use her money.. She would get a lot from family and spend it raising us. She is an incredible women I am so impressed with her constant fight to put us in private school, clubs on clubs, summer camps all across the country. I never felt like we didnt have money since we had such a supportive family, but she was...absolutely... Terrible with money..When ever we got a cent, it was spent. She has no savings and I am worried about her retirement. I really hope I can support her until her end as an adult. That is a huge goal for me. However, she gave me the worst sense of money management. I just found this sub, and I am 23 with no idea how to handle money. I have a decent job, make a decent salary with good comissh because I am really good at what I do. However, I am always in debt. I am 4K in the hole on my credit card, it keeps growing and I always feel like I have no money and cant stop it. I am so glad I found this sub today. I am going to cycle through posts on posts. Use the hell out of the sidebar, and take A LOT of notes. Thank you for letting me rant and reading through it. I am even thinking of getting a financial adviser to sit me down and tell me how to deal with my money. If any kind, kind soul would ever have some time to sit with me and teach me about finances I would be eternally grateful.. I would gladly tell them where I am at, but I know it is something I need to do on my own - overall I am very happy I found a cool community to help me grow the fuck upTLDR: I have no financial basis, but I am glad I found this sub. A lot of credit card debt, student loans, and plans I cant fund, but I am ready to make changes to get there..  <response>: Freeze your credit cards in a block of ice figuratively, or literally, if you have to, and dont use them except in dire emergencies. For the next month, buy nothing that is not an absolute necessity. food if you are out of it, personal supplies, soap, etc. This will show you what your minimum expenses are. From there, you can add back some extras, and start putting a large chunk into that credit card. Use online calculators to figure out what your payoff date is, and every month, try to put more than budgeted into paying if off even faster. 