<prompt> Human: Throwaway account for obvious reasons. Never posted on here, Im very new and recently aware to the bad situation Im in. Be kind and sorry for the length of the post.I am 23, got married last year. I was raised very poor, my parents werent good with money and didnt teach me about expenses or budgeting. Since then my parents have gotten great about their expenses.Before my wedding I decided to buy a car. I went to a dealership when my junker broke down. My dad insisted on not buying a car from a dealership but I did anyways, it ended up being a bad decision. My income dropped substantially and I couldnt keep up with payments. My wife lost her job and my freelance income was just barely getting us by. I made the bad decision to start paying my car payment with my credit card and paying rent with bank checks fully expecting them to go negative and leave me with huge overdraft fees. I was paying my other bills food, utilities, phone, etc.. The car was repossessed after a few missed payments. Shortly after my bank account closed. The other bills I have are a medical bill and dental bill. I got to the point where I decided freelance isnt working out right now. My wife just got a new job that is full time plus benefits, I started working for a company doing contract work. Ive had close friends tell me Im screwed and others tell me theres hope, but I just dont know where to start. Any advice is appreciated.Currently this is the scope of my debts: Credit Card: 900 Medical Bill: 200 Closed Bank Account: 900 Auto Loan from Repossessed car: 8500Total: 10500Again, this all so threatening and scary to me. I now understand the effects of my mistakes in the past, any advice from how to recover from this is appreciated.  <response>: In the grand scheme of things, 10k in debt isnt that terrible. Is your current job a full-time job that pays a decent wage? If not, keep looking for something better. Once you and your wife are earning enough to pay your bills and have some left over each month, you can start paying off your credit card debt and any other high interest debt. Depending on your incomes and other expenses, you could have all of this debt paid off within a year or two, and be back on the path to financial stability. If you want some help budgeting your money, feel free to add some additional details about your monthly income and other expenses to your original post. 