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[quote=Anonymous]OP, you need to move into crisis mode with fixing these things.  Read some Dave Ramsey, Suze Orman and Michelle Singletary too.

You need to get out of the gym contract, first of all.  Go to them and say you can't afford it, need to cancel.  Speak to the manager. Crazy to be paying that now.  or get a doctor to write you a note somehow.

You do need to sell your car, hopefully for what you owe on it, and a get a much cheaper car.  I've lived in rural new england so I understand how a bus is not an option really.  Carmax would buy it for $100 over blue book.  But then you go buy a 2004 civic or something that's really good on gas and will last another 5+ years.  Amove like that would save you about $5k.

once you have a new car, get lower insurance because you won't be paying as much.  (no collision, etc.)

Pay the minimum on your credit card debt, obviously.  Then cut it up and don't use it until you have an emergency fund.

You keep saying "when I had money in June" but obviously you didn't have enough money to make decisions like these.  Sounds like you need an emergency fund and to start saving when you do actually have more money again.

You also need to have a heart to heart with your roommate and say you can't afford cable any more, but will split the basic utilities.  If you can move out, move out and save money.

As for your job, can you become a teacher at a public school?  Even a private school?

Change what you can OP.[/quote]

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