<prompt> Human: Hello everyone so a little about myself, I am 28, live at home, and parents dont charge me for rent, which is a huge help. I am struggling financially to try and save at least one dollar a month. So I make about 950 every two weeks, and it seems like every month is getting worse. I pay 480 for my car, which I have two more years to go on it. Owing about 10,000 on it, I have been paying it for four years. I have one credit card owing 6,000 on it, and my monthly is about 180 on it. I have another credit card, which I owe 2700 and my monthly is 100. I have a shared family plan with my brother and we both pay for and Im paying about 150 each month. Then I have my car insurance which comes out to about 120 a month. Then I have about 100 in small little bills every month. I really want to pay off my credit card and try and save up some money to move out. I need all the advice I can get and I appreciate anyone that decides to help.  <response>: Two things stood out to me. Your car payment is quite high for your income 600 including insurance. If its still worth anything close to 10k, I would suggest selling it and buying something considerably cheaper. Second, you should be able to find much cheaper phone plans and save and extra 100 month there. I use Cricket wireless, which is 45 per month for 8GB of data. 