<prompt> Human: My situation is pretty bad--there are definitely worse situations than mine, but from where Im standing, it doesnt matter how much shit youre in, it still stinks. Current status: Student loans at roughly 26k credit card debt down from 3k to 500 two accounts in collections that Im negotiating settlements on.Its not good, right? But today I paid rent on the first of the month instead of having to ask for an extension. In the past month I put down more than the minimum payments on my debt. I didnt take out loans through rborrow or from relatives. I didnt have to defer payment on my cell phone bill to get through the month but paid it on time. And, most importantly, I managed to finance a move out of an apartment with toxic roommates that constantly hit me up for money, failed to pay the rent, didnt shower, and wouldnt pay their share of the utilities, leaving me stuck with the bill or dealing with a very upset landlord. The security deposit and moving cost wiped out my meager savings so Im back to paycheck-to-paycheck, but Im confident that I can build an emergency fund and savings over the next few months. I would not have been able to move if not for YNAB 4 and the motivation that this sub provides...just reading peoples posts has helped me stay on track. If I didnt have enough to move and pay all my bills, Id probably still be living there, half-starved and going broke on take out because people kept eating my groceries.So thanks, guys! This isnt that impressive to a lot of people, I know, but its exciting to me and makes me hopeful for the future.  <response>: Cellphone bill: 40Security deposit: 500That feeling of knowing your finally able to financially support yourself without help from family - priceless. 