<prompt> Human: Hi!I live in UAE, so all currency is in AED 1 3.65AED.Okay so as of this moment, Ive got 12,340AED on a credit card, 1.79 interest on that amount, and 48 months to pay it back in installments 450 per month. Ive also got a total of 6000AED in car fines. 4000 of that I can pay in installments using my credit card with no interest over a period of 12 months, which Ill start paying end of May. The other two grand I have to pay cash because its a serious offence. I sold my video card in my PC to pay for it. Ive currently got 8K in my bank account. I also have a trip to Europe booked for September. I currently make 7K a month. However I took an advance payment in December of 13K. So for the next six months till June Ill be getting 4.8K a month. Out of that 13K, I paid 6.5K to the credit card. The amount Ive mentioned on top is after I paid this. In the last 4 years that Ive been working, Ive not saved a dime. Clearly. So my question is, how the fuck do I start, where do I start, and what should I do? Im 26 now, if that matters! What I want is to obviously have some control over my finances, but I dont want to have to go to a point where I cant travel or cant buy a GTX1080 :P Maybe what I need is patience and compromise, I dunno. Plis help!  <response>: You have been quite irresponsible with your money in the past. When you change that and it might help that youre a bit older and wiser now, your finances will change as well. I was 27 when I became more responsible, maybe you can do it one year earlier than me :- 