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[quote=Anonymous][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]

Yeah not buying:
$200/mo - medical, co-pays etc (how often are you going to the doctor?!)
$150/mo - household items such as shampoo, soap, etc. (NOT A CHANCE!!!)
Miscellaneous -$200/mo (NOPE!!!)

Where really is this $550 going? You want help but you're lying. When will you post your actual ledger? Let's really see what's going on.[/quote]

That $200 medical could include medical insurance as well

But yes, the $150 household items and $200 Misc need to go to about $25/month combined

OP--we know this will not be easy.  You have to fully change your financial mindset.  It will not be easy to get out of debt.  Any time you think "but I can't do that" you need to change your mindset and say "yes, I have to do that.  Otherwise I will always be in debt and miserable".  [/quote]

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