<prompt> Human: Hey PF,At the age of 19, I started living on my own. I had just moved out of my parents house and they werent the best when it came to bills. I dont recall one moment in my childhood where bills were discussed and howwhen to pay them, how to budget, etc.. I learned some of these things from a manager at an old job but it was very limited..meaning I didnt learn much. Anyways, I moved to Texas with my girlfriend, in a to attempt to get better jobs and continue school. I was able to get better jobs, therefore I decided on getting a 300 dollar Credit card and felt like I was the shit! After some life problems, moving and getting a couple new roommates This is where I started to go in Debt I was hopeless. With all of these life changes and stress, I paid my big bills but left some other bills Such as my credit card out to dry. Since then, I have left those roommates and live with my girlfriend of nearly 4 years. Since then, I have gotten a better job and currently make 13 dollars an hour and I get paid bi weekly. I typically use one paycheck for rent and one paycheck for most of the other bills, not to mention food,. Bills listed below. BILLSRent - 520Car loan Payment 175.00Electric - 80Car Insurance - 115Phone Bill - 120Spotify - 5Bed Payment 38.80 amount past due 180.00Credit Card closed- amount due 558Gas - 40I came from a poor family and was never taught the basics. That was the past, today is now and I can only man up to my debts. At the end of the day, I made some terrible decisions about not paying bills and still do to this day. Which is why Im posting on here. I really want to be self taught in the correct way of paying bills and budgeting. I want to be bill - stress free! If there is such a thing If anyone has any advice on what I should do, please comment. Thank you so much.Edit 1 Thank you guys so much for all the love. Hell, even the hate. ALL of it will fuel me to get this small debt taking care of. My next edit will be a completed budget with all of the expenses some of you have asked about - Stay tuned!Assistant: I really want to be self taught in the correct way of paying bills and budgeting.First thing to do is to make a real, full budget. That will mean it has your monthly take home pay, all of your debts listed out with monthly payment due, interest rates, and total amount owed, as well as a listing of every single expense you have. Every dollar you earn is accounted for in your budget. No exceptions.Now that you have a budget, you can compare it to what you actually spend right now. Go through your last 3 months of expenses if you have been solely using that credit card and a debit card. Put every single transaction into one of your budget categories. Dont skip a single one! This will show you what you are actually spending, which, for most people, is vastly different than what they think they spend. It is extremely helpful in determining blind spots where you spend much more than you should.If you use cash normally or often, start tracking your spending with a notebook you bring around with you or an app on your phone. Again, every single time you spend money you will have to record it. This getting of actual spending data is crucial to taking control of your personal finances.Once you have an actual full budget, go ahead and post it and we can give better advice. And once you have done the tracking exercise you will be able to better arrange your budget categories to real life and to help curb any spending you dont actually want to make.Human: Thanks for the advice. As of right now, Ill make creating an actual budget my first goal then post it again. To all the other people that gave advice - thank you. All of you dont understand how much this means to me. Reddit is one helluva drug lol  <response>: You can also just use excel templates if you have some. even google doc 