<prompt> Human: Im 25 and I am drowning in debt.I make about 4400month through my job and renting out the home I bought. I have blown through all my savings after closing costs, racked up 4,500 in CC debt and have monthly payments of 900 mortgage, 650 student loans, 275 car, 180 waterelectricity, 150 Internet and phone and 100 gas. I should have money left over each month...But I always find myself with 1,000 or less in my checking, and marginal improvement in my CC debt. My problem is that over the years I have really screwed myself by not knowing how to save and using my CC like an idiot. I dont really know what to do or how to save money, pay my bills, and be able to live. TL;DR lots of debt and monthly payments, and Im struggling to stay financially stable  <response>: No, you dont find yourself with only 1000 left over, you PUT yourself there. A lot of your post alludes to it being an external problem or something out of your hands. Its not, and you need to own up to this before you expect to make ANY traction.You need a comprehensive plan, something that works in steps one by one so you can focus on individual goals one at a time and see progress. Pick up a copy of the Total Money Makeover by Dave Ramsey, read it in a night or two. If youre not willing to do THAT tiny effort, you can forget ever getting your financial life together.From what little you posted, the primary issues I see are the lack of doing a budget, and the insistence on using debt. I bet your think using credit cards is a good idea, or that your credit score is important, or that you had to get a car loan, or do student loans, or have a mortgage? Right? If after I just asked that you got defensive or wanted to make any excuse at all, youve just proven to yourself that it is the issue. If you insist on being defensive about that or making excuses, youll never succeed in financial life.I hope you want help, this is why Im blunt and direct. If all you want is a fix and to be told youre doing things right but you just need a small tweak here or there, then that isnt going to work. Being blunt and direct should help you realize this, so analyze your immediate emotional response when you read my words and see for yourself if youre ready to make a life for yourself.As a not so blunt comment, please take a step back to consider this: You CAN do this. You HAVE the ability and your income means are WELL over what you need to be extremely financially successful. Its not even a sacrifice you have to make, just a shift of values and priority of them temporarily to put you into the right position. Imagine a life with no payments, a large emergency fund. How would you feel with that? How much would your income now, much less how big it grows in the future, would feel life with no payments? Good luck! 