<prompt> Human: Im currently working a minimum wage job 9hr getting around 25-30 hours a week. I live in an apartment with my Fiancee. Rent is 237.50, Power is 40.00, Internet is 15.00, TV is 15.00, groceries is about 25.00, totaled car payment is 150.00, cell phone is around 85.00. Total is around 567.50. I was recently in a car accident that was my fault and my insurance was lapsed. I got a fine thats worth 500, a ticket thats probably 75-150, and new their insurance is telling me I owe them around 8000.I have a lawyer Im speaking to that may help me get rid of some of the larger fines and help me figure this out but he costs 250.00. Im a young guy and this is already ruining my relationship with my SO and threatening my financial life. Any advice on how I should prepare my finances? I cant save basically anything from my paychecks due to the low cash flow and my credit is crappy due to bad family finance and the inability to get loans.  <response>: Settle what you can, ask the city and the insurance company after the lawyer take care of the fines to get on a payment plan.Then please go get more work, a second job, freelance, anything. You are young, your whole future is ahead. Work hard, and if your SO is a good woman, she will see it and knows that she is in good hand. 