<prompt> Human: Hi, Im looking for advice, if there is anyone here willing to give it. Ive pretty much screwed up my life for a while now, and I want to get back on track.Right now, I net about 850 a month, since my wages are being garnished 100 every paycheck to pay 9,000 I owe to my old college long story. I owe 31,000 in student loans, but I got the payments deferred until November, there are 9 actual student loans in total.I have a charged off credit card debt from several years ago for about 1000.I have about 1000 in savings right now, which is from my tax return.I need a car. The one I have now is falling apart, and probably wont last 6 more months without paying for repairs which would be much more than its worth.Right now Im paying the phone bill at my parents house, 75mo, car insurance 100mo, and I have a prepaid phone for 50 a month.Ive been trying to figure this out, but even cutting out things like cigarettes yes, I know I need to quit and eating fast food, it still looks so overwhelming to me. Id appreciate any advice.  <response>: The main solution is to increase your income, whether it be through a higher-paying job or a second job. 