<prompt> Human: First off, I hope Im not doing anything wrong in terms of the rules regulationsOk, so here is the situation... I am in recovery for opiate addiction. Ive been clean for about 56 weeks which Ive never accomplished before and in the last 2.5 years I did some relatively serious damage to my credit. Im lucky enough to have always been able to manage a job. I make about 760.00 a week 3,040month and I also work part-time as a Process Server serving eviction notices, divorce papers, etc which adds anywhere from 0-300 a week although for the past 3 months I only made about 200, which should hopefully change soon As of today I owe the following: all numbers rounded up for the sake of simplicity:Father: 1,500.00 500wk IS TOP PRIORITYBarclay cc: 6,000.00Capitol One cc: 500.00Student loan Navient 5,000.00Personal Loan: 7,500.00Amazon Synchronicity ? Bank: 1,000.00Income taxes 2015 1,500.00 TOTAL OWED: 23,000.00I owe what is listed above all of which I stopped paying altogether for about 1.5 years except property taxes rent con edpower company and my monthly bills moving forward are as follows:Property taxes rent: 700con ed: power: 275car payment: 300 about 1,000 is due, and the creditor is my mother who has been very patientBarclay credit card: ___?Capitol One cc: ___?Navient: ___?Amazon Syncricity ? Bank ___at this point, Im sure I can call the above four 4 listed creditors and offer to make a monthly payment of ___ and they would be happy, but the idea is to actually pay these creditors offAnd I believe Im getting fcuked with interest rates. Assume Im paying 23 for both Capitol One Barclay. Can anyone help me figure a way out of this hole? Ive seen a lot of success stories on this sub and I am definitely in need of budgeting help. Ive never had an emergency fund or any type of investments, which eventually would be ideal. I checked out the common topics and printed a lot of it out including the How to Handle link offered in this sub. I read some of the personal finance wiki which I will definitely re-read again. But any insight would be great.I need 200 a week to live. I drive to work, smoke, eat, etc.Thanks in advance for any ideas or suggestions.  <response>: First of all congratulations and keep it up!Now for the rest, try to cut expenses not going out to eat, cook your own meals instead of buying lunch at work, not stopping for coffee, etc.. Cooking your own meals really makes a difference, you could check rMealPrepSunday or rEatCheapAndHealthy.Make a spreadsheet or try YNAB or a similar app to see where the money even little stuff is going. Start paying the highest interest debt, try to make at least minimums and not miss payments. Give a call to the banksetc to see if you can arrange a payment plan with them. And try not to use your credit cards.If Im correct you have 3040 800 a month, 800 for expenses, 1275 for the rest you listed. So you have left 1765 for paying debt and building an emergency fund. See if you can pay your father 500mo instead of 500wk, talk to him about this and see if you can work something out.Some users have posted some really useful spreadsheets as well, you could customize them. Good luck 