<prompt> Human: Female, 23, not a studentgraduate. Ive tried budgeting, planning, etc, but things always come up or I mess up. Something unexpected that I thought I canceled a year ago comes out of my bank account when its low, overdrafting it, fees pile up since now everything Id planned on paying gets overdrafted, etc. I grew up in a paycheck-to-paycheck family with very little financial knowledge of my own, realized all of this and have been actively trying to find out how to get back on my feet, pay off debt, and start saving for the future. Id be happy with just paying off my debt for now lol. I work one full time job that I love and earn between 200 - 270 a week from. I work a second job 15 hours a week and earn 200 every two weeks from it. My second job is stressful, difficult hours, and Im unofficially in a management position working for starting pay because our last manager quit. Im very highly considering quitting, since I can get the same job at a different company, and make twice as much just from tips at the current company, we cant accept tips. My only other income is the ocassional 20 a month from a shared Starcraft Etsy store, and I just did a whole shebang of spring fall? cleaning so Ill be making a small profit off some old clothes and things selling them online.However, I currently OWE a lot of money to a lot of different things, and I dont feel like I can efficiently pull it off.My first priority is to pay the 650 I owe to my friend. They helped me out at the beginning of summer when I had an emergency that prevented me from working, so she spared me rent and a couple other expenses. This debt, while Ive slowly been paying it off, is still a large sum and I can tell its starting to affect our friendship. It wasnt supposed to reach such an extensive amount in the first place, so I want this to be my first priority.Other than that, I have a Wells Fargo Credit Card maxed out at 400, student loans that add up to about 4,000, and my Toyota Corolla was repossessed in June. I still owe 8,500 on it. If possible, I would like to find a way to get this back, since Im currently borrowing my friends vehicle while they use their motorcycle to get around.My monthly expenses are:Rent 250 roommatesBills Water, Power, etc 150Cell Phone 100I spend approximately 100 in gas a month, and my work schedule has been so hectic that Ive been spending 5 - 10 at Taco Bell every day. I havent bought actual groceries for awhile, so that isnt really an expense Im worried about.I admit that the rest of my income the last few months, I have been a bit frivolous with. Ive cut down enormously in the last two weeks, and plan to cut down to the bare bones starting now, so hopefully that will help.Either way though, Im in a bunch of debt, essentially vehicle-less, and I dont know how to get out of it. Ill take any suggestions and look into any of my options, so, please, throw your advice at me!Edit:: thank you, everyone, for your replies!! Im going to bed but I will sit down and reply to everyone tomorrow. A lot of this has been very useful already and I appreciate it! Have a good night and keep leaving all the advice youve got! : Edit 2:: I appreciate the continued responses! I have read through each one and responded accordingly! A couple of you were asking about the Starcraft Etsy store--here is a link! There is only the Zerg plush up right now, but Im going to be adding handmade keychains, Kerrigan-themed jewelry, and other items as I get them made and perfect the quality, so keep an eye out if youre interested : I run it with a friend and we split the profit.Assistant: Your cell phone bill is a bit high, can you see if you can get it down by switching carriers, going prepaid, or see if theres even a govt assistance program for that? The Taco Bell lunches are also costing too much. Given your situation and the menu selections at Taco Bell, you shouldnt be eating 10 meals there. If your schedule is too busy, buy things like sandwich bread and ham or hot dogs and buns. Thatll feed you lunch for a week for under 10 total.Human: Thank you!Im spending about 10 at Taco Bell a day because Im almost exclusively eating my meals there. I know its bad and my body is also starting to hate me for it, so Im making changes! Ive got some cheap groceries and have meal prep plans for the week!As for the cell phone bill, I have switched companies several times before and this is the one Im sticking with. The bill is a little more expensive than the others I was with, but it also has protection in case my phone is damaged and I have a good relationship with the employees in my region, so I feel more comfortable sticking with them. There is a discount available for Credit Union members, which so I will be getting that applied soon and it should help out a little bit!Assistant: it also has protection in case my phone is damaged Hope Im not delving too deep into this, but can I ask if you have a phone that youre still making payments on? Or is it a really valuable new phone? Otherwise, I dont encourage people to buy insurance or spend extra for protection on their phone. I know that the new iPhone X was just announced today for like 1,000, but given the circumstances, you shouldnt spend more than 300 on a new phone. If youre willing to spend an extra 25-30 a month, you might as well buy a new phone every year or other year.Human: I got a newer iPhone as a gift, and while it is paid off, I only got it a few months ago and would like to make sure it lasts me as long as possible. I have no plans to buy a newer model or another phone for a couple years, at least. Im also terribly clumsy and so Im doing everything I can to make sure my phone doesnt take the brunt of it!  <response>: If your iPhone is paid off and youre still paying 100month, youre overpaying by a lot. I have a paid off iPhone and my unlimited plan with TMobile costs me less than 50month. Also, double check the insurance - it might not even cover your phone if its been paid off. A good case goes a long way if you dont already have one. Might be worth biting the bullet and looking for a better deal with another carrier or hopping on your parentssiblings plan to bring down costs. Every little bit matters - having a smart phone is a luxury in your situation, not a necessity. 