<prompt> Human: Just as the title states, I make 40kyr Indiana. Which i guess it pretty good. I have too much of a spending problem and need help budgeting. Right now, my bank account sits at -1,148. Tomorrow is payday. It will be 1,106 and i will not get paid again for another two weeks. I have had tickets to a race and have already booked a hotel for my gfs birthday which is the 19th. I still have not bought her any presents even though I have told her that I have. I am just in a really rough place right now and have no idea where to turn. Cable and electric along with my phone bill and insurance and car payment will be due between the next two weeks. I also have an outstanding payday loan of 611. I feel like this is going to take forever to get back on track. I am so afraid of losing my vehicle if I do not pay on it. I feel like my gf is going to be SUPER pissed if we do not go to this race, something that we have been planning for a year. And I fucked it all up. Please help  <response>: Cancel the hotel and sell the tickets. Buy your gf an inexpensive but sentimental gift. Get rid of the cable. Go to the library and checkout personal finance books Dave Ramsey, Suze Orman, etc. 