I need to ride the camerachair thingy before I die . <| sep |> This isn ' t too bad . You can dig yourself out of this with a little buckling down . Is your credit card already in collections ? If so , it isn ' t collecting interest , so don ' t worry about that right now . First worry about the bed . Set aside $ 180 from your next pay check and knock out your past due amount . With the expenses you listed here , that should be totally doable . You haven ' t talked about your food budget . How much are you spending per week on food and what are your eating habits like ? Lots of eating out ? Lots of beans and rice ? This is where most people overspend . Lastly , get that phone bill down . As soon as your contract is up , take your phone and swtich to a pay as you go plan or another provider . Unless you ' re paying for your girlfriend , too , that ' s an insane amount to spend when you ' re falling behind on things like a bed . You didn ' t mention internet , is that included in your rent ?