<prompt> Human: My bf25 isnt too good with . Hes loves photography so he bought a camera through amazon like 2 years ago? Well, he ended up going to this urbex in Chicago that was abandoned and his camera ended up falling into a river. He didnt quite finish paying it off but he had to get another camera since his first one was basically ruined -he did this though amazon again.i dont know how much the cameras were intentionally.The balance is now sitting at 2,300.00This is affecting his score as well as our finances together since we live together. He just cant seem to get afloat with this debt since the interest is like 20. He also gets paid weeky so its like to him, he always has money so he doesnt really save nor has he ever. Im trying to help him save but its just really hard for him. He needs to get a new computer and wanted to pay monthly for it but I told him thats not a good idea considering he hasnt paid off his amazon. That he should just get one in cash and I can help him. Anyways, i know theres an option of balance transfers but i dont know much about them. im hoping to find answers through the help of this sub or any other options that could assist. Even a game plan to how to tackle this debt monthly.Side note, His score isnt that good maybe 590? He doesnt have student loans. Just a car loan thats around 4K that hes done pretty good with. Assistant: 590 is a horrible score, not just not that good.He needs a budget and needs to live by it for 90-180 days before buying new toys. He doesnt need to get a new computer. He can install an SSD into the old computer and itll probably run great for another 1-2 years.If he cant make a budget and live by it 100, he doesnt need more toys. If hes making money with those toys, thats a different situation, but from what I can tell, hes not doing that.Human: Yes, that was an understatement. Trying to help someone change financially is so hard. A budget has been made for both of us but he doesnt really stick to it.I will relay the ssd messsage, im sure he knows what that is. He is a streamer for twitch and has been for a while but wanted to branch out to other games but cant because his computer isnt powerful enough. He does make donations here and there but not much. If he got the upgrades he needed there is a potential to be made i guess.  <response>: Yes, that was an understatement. Trying to help someone change financially is so hard. A budget has been made for both of us but he doesnt really stick to it.Yep, thats all you can offer -- if they wont do step 1 perfectly, there is no step 2. He is a streamer for twitch and has been for a while but wanted to branch out to other games but cant because his computer isnt powerful enough. I know this isnt relationship advice reddit, but if it was me, the broadband at home would be turned off or gotten out of my name and Id stop using it.Theres no potential for him to make money on twitch. The people who make money on there have business plans, incorporate businesses for real and spend time marketing to advertisers, promoters, etc. Its a full time job, even though they dont act like it. They act like its so easy, but in fact theyre busting their butts to make that money.If your BF cant even stick to a budget for a week, he will get hammered trying to make money online. Those Twitch moneymakers are doing it to dupe others into buying expensive hardware in hopes of making a fortune -- the hardware makers sponsor the streams for this reason. 