<prompt> Human: Be honest. I need to make sure my money is being used to its highest potential.My income is 15hr. I bring home about 810 every 2 weeks after taxesinsurance. I currently put 0 into any type of retirement or savings.My bills are:Phone: 140month. I just reduced my plan, but it hasnt gone into effect yet. It will drop to about 110month. That is for unlimited talktext6GB Data.CreditCard 1: Currently 160 per month. The balance is 0 but for the next 4 months I have a bass that I bought being billed to it. It was 8 payments at 160month. I have 4 payments left. After that, that credit card will be 0. CreditCard 2: This card is a store specific card that I rarely use. The balance is roughly 50. Electric: Unfortunately this varies. Last month it was 115, this month it is 163. However, in the next few months it will be even lower due to not needing heat. It will skyrocket to about 3-400 in the summer months. Car Insurance: 94month. I cant change it. Every quote I get now is at least 150 a month for some reason. Car Payment: 417mo. The vehicle is worth an estimated 15,500 and my balance is currently 15,850. I have poor credit of around 625 so refinancing is out of the question probably. Current APR is 6.9.InternetTV: 90mo. Currently I only pay for internet as my girlfriend has NetflixAmazon Prime. I do get the best internet package since they have a soft cap on the bandwidth and right now we have the highest and we go over it every month. They do not penalize me for it. However if I was to drop my speeds, my bandwidth allowance would drop as well, if I went over at that point they would penalize me or make me upgrade putting me exactly where I am right now.That puts me at 1114 in bills for the month. If I get 2 paychecks per month, that gives me 1,620. After paying the bills, I have 506. Yet at the end of each month Im scraping by. For example right now I have 10 in my bank account until payday. I have 14 tank of gas and no food. Luckily my medication suppresses my appetite but lets face it... that is not a healthy way to live.Im working with YNAB to get every dollar allocated properly but starting out in that program is a pain in the ass. Ideally you need to start with 0 in the bank and 0 in bills. Can anyone help in any way? Assistant: You dont need to start with zero dollars and zero bills to use YNAB. You can enter a current checking account amount and enter your next few paychecks and bills, and you can see what is left in your budget.Your cell phone bill is far too high. Do you need unlimited service and 6 GB of data??? Doubt it.It sucks to need to buy expensive Internet to get out of bandwidth caps, I can understand why that feels necessary, but if you have that you can put your phone on wifi.You need to figure out where the rest of your money is disappearing to. Then save up an emergency fund, then enough to overcome the negative car loan equity and get into something cheaper.Human: My cell phone is higher due to the ATT next plan. Im paying 42mo for my phone. The actual bill is lower without that.Assistant: Well do you need a high-end phone? Do you need 6 GB of data? Do you need unlimited service? There are much cheaper carriers and plans out there. If ATT service is good in your area there are ATT MVNOs.Human: What are MVNOs?I do need a higher end phone as I do a lot of work from it.  <response>: 15hr jobs typically dont require someone to work from their smart phone. My job requires I have one, but they also pay for it. Any job that requires it and is worth a damn probably pays for it. 