<prompt> Human: Ill make this short and sweet, because youve heard this story before.I made a lot of very poor decisions in my past and as a result, the older and wiser me is paying for those poor decisions with a 10k 27 fml loan, a 12k 19 auto loan, and a FICO of 650.I need the car for work and Im upside down on it enough that theres no advantage to selling it as far as I can tell. There is no public transit option for me here.Im only 4 years out from my bad situation unexpected unemployment and the problems it causes when youre stupid and young Which means I dont have enough credit to get a debt consolidation loan or anything like that to reduce my monthly payments and as a result be able to make EXTRA payments to reduce my debt faster.Im working on picking up extra contracts to gain more income to pay it off while I wait for my credit to recover so I could do something about this, but it really sucks. Is there anything else I can actually do?Assistant: You need to have a good understanding of this equation for you: Avg After Tax Monthly Income - Avg monthly expenses SurplusWhat are those values? That will help us give you advice.Human: my suprlus after my expenses AND minimum payments on all the above is roughly 665. this is after reduced everything. down to barebones here.additionally, I recently netted a secondary job that nets anywhere between 1000-2000 a month mildly irregular though, so Im not severly fucked. Im actually doing okay, I think.its just a stressful feeling.Assistant: Your hole isnt as deep as some other peoples and it sounds like you are set up to begin digging out. Stressful? Sure. But in a year or two I bet we see a post from you about how you are debt free.Human: logically, I agree with you. according to my budget Im doing pretty okay. but on a day to day basis its stressful.I just need to automate more of it that it becomes invisible, I think.  <response>: Its your budget and your life, so Im not one to interject my opinion, but: What exactly is contained in your budget? Maybe if you write it out here we can give you a lot more specific information on how you should be applying your surplus money, issues with what you see as normal spending in your budget, etc.We can help you get out of this hole! Facing your debt and your spending habits sucks ass, but once you do it and theres nothing left to hide you will be free of the stress that always comes with it every time you think about it. 