<prompt> Human: For about a year now my credit cards have been a problem, I recently rushed into an auto loan at 22 interest thinking I could later refinance. I work full time bringing in 850 bi weekly. I have direct deposit set up this way.25 Capital one to suffice my auto loan each month. 369month25 Charles Schwabb savings account is usually depleted while attempting to pay down my CCs as of lateRemaining Checking account at local credit union.I feel like Im missing out on more money then I need to. I pay off large chunks of my credit card at a time 300-500 but I always ended up racking it back up to almost maxed for one reason or another. I constantly feel like I am shooting myself in the foot due to my negligence.I need to refinance my auto loan, but I need to pay down my credit cards in order to gain my positive credit back. I can afford the car at a normal auto rate, 5 interest is roughly 250month.Its all very overwhelming and I cannot seem to get a handle on things. Any advice for a 21 year old with too much on my plate?  <response>: You dont have considerable income, but it is good that you have reasonable, reliable income. Do you have a budget? It sounds like you have no idea what your money is actually spent on, and you arent doing any sort of constructive planning for those one reason or another expenses that you can actually plan for things like annual or quarterly payments, oil changes on your car, etc.. 