<prompt> Human: Im 30F approaching my 30th birthday and my finances are a mess!! 2800 in savings 3500 in credit Card Debt - 650mth 4000 pool loan - 113mth3000 school loan - 90mth5000 medical loan - 410mth 379 mth car loan200mth car insurance 250mth cell phone - I have my mom on my lineI make 2400mth at my main job after taxes, medial and 401k I have a side weekend job where I average 200-300mth I have a bad shopping habit but I destroyed all my credit cards and removed them from all my saved billing infoI pay for Spotify and Netflix I could probably cut Spotify out but not Netflix!!! LOLI just got my car so my lease is stuck for 3 years - I regret it I mean I love the car but bad financial choice!!! I justify myself bc I live home and dont have to pay rent. I dont intend to move out tho, my parents arent healthy so Id rather be home bc they rely on me a lot and it would just be a waste to have a place when Im always going to be there - I did want to redo their basement and make a separate apartment for myself which I guess is why I need to start sorting my finances out so I can start saving towards that... I have a BF but pretty much single - we will never live together.. its more of a causal relationship. So Im on my own : and Im feeling a little over whelmed!!! If you were in my shoes right now what would be your first steps and goals!!!  <response>: If you have to justify a purchase, its not a good one. 