<prompt> Human: Hi, Im currently drowning in debt and living paycheck to paycheck and really need some help figuring this situation out.Income available: 450week from job and a 450 payday loan that can be drawn from if needed, but I try to avoid it because its a 25 interest rate assessed immediately.I currently have my electric shut off by the power company and have to pay 680 by June 3rd to keep the account from closing. My rent is 935 and my roommate can contribute around 200, due by June 5th. Were 190 behind from last month. I have to pay off my tuition bill of 1,000 by July 3rd so I can take a summer class I need to graduate this fall.My regular bills are a 322 monthly car payment, 326 per month for car insurance, and a 45 per month phone bill. I spend about 80 in gas a month, and I know this is a luxury but habits die hard about 20 in cigarettes a week.I have a few other debts credit cards, student loans that should be paid off but they dont have as strict of a deadline as the others. I have 477 in the bank. What can I do to catch up?Sorry if theres any crucial info missing, if I missed anything please comment and Ill update. I appreciate any advice that can be given.UPDATE: I felt it was easier to do an update since mostly everyone had similar concerns. The roommate is my mother so I cant necessarily just leave her, shed be in a shelter otherwise. I am going to talk to her about paying more of the rent. As for the car, I dont have an option to live on campus since it is a community college and doesnt have dorms. It would be a 10 mile 3-3.5 hour walk to work and 20 miles to school. My car is just pretty good on gas. I have a public transportation option but Ive lost a job because of it before and it would take 2-3 hours to get to school if the buses actually showed up. And Im nervous about what will happen to my credit score if I lose the car while I still owe payments on it. The car insurance is high because I had a lapse of insurance late last year and have to go through the state Auto Insurance Fund for 8 more months before I have the option of going to a regular provider like AllState or Geico. I cant get out of my lease until October, and being that I live in Maryland 935 for a two bedroom is basically the cheapest I can get unless I move to a worse area. I have looked at refinancing but I need to get my credit score up. I found out I have 4 days to pay my electric bill before my apartment complex takes legal action, so Im going to have to go ahead and take out the payday loan and figure out the rest as I go. Im also looking for a better paying job so hopefully Ill have luck in that venture.  <response>: I dont know what you are studying in. But your rent and your car are way too high for your income. I paid a bit less when I was earning twice as much and felt little wiggle room for saving.Can you move, get another roommate, take public transit or bike? Your cigarettes are the least of your budget problem. 