<prompt> Human: So, Im going to try and be as specific as possible. I really need some help fixing my life :First, here is what a typical month of bills looks like I havent included stuff like food, these are just the hard bills:List of bills - Calendar viewI make 20 an hour, and work the typical 40 hours a week. Each paycheck, after taxes, works out to somewhere around 1300 some pay periods include an extra day or two, because we get paid twice a month not every other week. I would estimate my monthly income to be 2500-2700 this is all after taxes. Around 1300 that actually hits my account.Heres the issue: about 11 months ago I went unemployed for 2 months. I had to take out two huge payday loans to make ends meet. I now realize that was one of the biggest mistakes of my entire life. Please dont judge me for the payday loans, Ive learned my lesson.One payday loan from one company is up to 1600, and the other is 800. Here are the specifics on these two loans YES, ITS HORRIBLE:The 1600 is from one company who charges 200 interest. If I wanted to go online and pay it all right now, the total damage would be just barely over 1800. Every payday, I can ask to extend the loan for another 2 weeks til the next payday. This costs me 200.The other loan is 800, with a different company. Every payday, I have to pay 100 towards the loan and 100 towards interest, making it about 1600 to pay back as well. Problem is, I find myself not having any money, so after I pay back 100 or 200 on this loan, I end up borrowing that money right back, so this loan almost constantly sits at 800 due.Because of this, Im losing about 400 from each paycheck. On top of this, because of bills that I pay each payday, I end up with 10 left over, or sometimes my account goes overdrawn immediately. Then, I need food and maybe gas for the week, so I end up spending around 100 or so in 2 or 3 places. Each time I overdraw, it hits me with a fee of 35. If I stay overdrawn for a week, another 35 fee is applied.God, just typing this is making me sick to my stomach.So, because of the bank fees overdrawn balance two payday loans, I would estimate that 600-700 of each paycheck is gone before I even get access to it. Then I pay my bills, and the cycle continues.I have horrible credit, and I really dont know what to do. I feel like Im just torpedoing out of control.Thank you so much for anyall help. :  <response>: Can you get a roommate for half-a-yearyear? Cutting your rent in half would free up quite a bit each month. 