Yep , no sound on the canes stream <| sep |> The first thing i would tell you is that there are expenses that can be decreased . For example , your phone bill is too high ! ! You might have a slight decrease in service connection , but cricket only costs $ 35 a line with 2 gigs of high speed data . Also , the bills that are currently in collections can be negotiated . Agree on a set payment to them if they are willing to send letters to all three credit beauros stating the debts have been paid as well as copies to you . Get yourself a secured credit card once you have enough to put down a $ 300 deposit . This will start to rebuild your credit if used properly . Also , you can get some great pointers on budgeting from a sight called handsonbanking . org . It is run by Wells Fargo . Good luck !