<prompt> Human: My financial situation is pretty bad right now. I owe 13k on a car thats worth around 9k if I trade it in. And monthly payments are 416 a month. And I owe around 3.5k in credit card debt.I earn 12.30 an hour and have 1.7k in the bank.I only usually end up with 200 each month after everything is paid.Please help. Thanks in advance, I really appreciate it.  <response>: Do you have a budget? usually end up with sounds like someone without a budget to me.Step 1 in anything is to make a plan, your budget is your plan. With that said, if you post your budget, the kind people of rPersonalFinance can surely find ways to trim down your spending. Aside from that you need to find more work, or better paying work. Those really are the options: reduce expenses, or increase income. 