<prompt> Human: I was going to write a long description about how things got this way , but I decided to just give you numbers instead. Fiance did finally get a job, but I had to loan him 1800 and after his bills only has about 300 left. Most of my checking account was taken out by this so I currently have 700 in my checking account and 3500 in my savings account. Bills equal out to 1233 per month and my wage is 1400. Not sure if you needed a breakdown, but here it is just in case.Bills: Rent- 800, sewer- 24.80, internet- 53.55, gas- 51, renters insurance- 15, water- 24, electric- 60, verizon- 117, planet fitness- 20, pet insurance- 35, pet care- 65, food- 200this equals out to 1465.41 and my part would be 732.71my personal debt is:car insurance- 53, fuel- 50, credit card interest-147, min credit card payment- 250equals out to 500I only have one credit card, but the balance is 9,000. I usually get about 1200 or so back on taxes, not sure what it will be this year since we moved and rent has changed though. It will be a while until my fiance can pay me back so I can not count on that money. Once I subtract all my bills I only have 167 that I take home in a month. What should I do? Thinking about getting an extra job, but I may only be able to work one day extra a week, currently work 40 hours at my main job and they have a strong antiovertime policy. I also called my credit card to try and get a lower interest rate, but they will not change it.  <response>: From a budget perspective, you need to: Switch to T-Mobile or a prepaid plan. Youre spending about 9 of your take-home pay on your cell phone bill alone. Cancel Planet Fitness. Go running. Its free. You need to start attacking that credit card debt. Its a financial emergency. 