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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Ok, here is my expense list:

1.$2700/mo all debt payments including car loan
2. $950/mo rent
3. $200/mo utilities, internet, etc
4. $100/mo gas
5. $250/mo groceries
6. $200/mo - medical, co-pays etc
7. $100/mo - car insurance
8. $150/mo - household items such as shampoo, soap, etc. 
9. Miscellaneous -$200/mo

My take home with overtime is about $4800-4900/mo.

Credit score is 675[/quote]

Needs to be broken down much more. Every kind of debt, every type of utility, every kind of medical, every kind of household item, every kind of miscellaneous.

You’re not taking this seriously; stop wasting people’s time.  EVERY SINGLE LINE ITEM in detail. [/quote]

I think OP's level of detail is fine.  OP, I would suggest you start tracking everything you spend in more detail.  It helps to look back at this over a month or more.  That is where you can really see what you want to cut.  For example, your household items and miscellaneous are prime targets.  Do you really need $150 per month on shampoo, soap, toilet paper?  What else is that?  I don't know.  You may not know.  Track and find out.  Same with miscellaneous.  We all understand things come up, but when one is working one's way out of debt, or saving for a big purchase, something has to be cut.  You need to be able to decide if you want to get out of debt more than you want whatever these purchase are.  It may not be easy but it is simply a matter of priorities and trade offs.  Best wishes to you.[/quote]

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