<prompt> Human: Im in college but Im taking a semester off and working. I have a 14hr job and going to average about 25-30 hours a week. I am about 4000 in debt because I was out of a job for a while and had bills to pay. I also love to spend money on tech stuff TVs, computer components, monitors, etc. I have no savings really. Another thing is my car is also shitty and definitely totaled. I need new tires, new radiator hoses, new AC and a new windshield. Whats an easier way for me to stop spending, save and pay down my debt? Also, should I just finance a used car or fix mine? Monthly income: 1400-1600Monthly bills: 550Monthly food: 140-200Have any further answers, Ill fully answer.  <response>: Cut up the credit cards, stop buying things, get a 2nd source of income, pay off your debt. Its not rocket science, you just have to discipline yourself.According to your incomebudget, you should have at least 700 a month, use that money to pay off your debt once you figure out your car situation. If you can use public transportation or a bike in the mean time that would be best. 