My reasoning for that is the media is still pushing propaganda against Russia <| sep |> Yeah , it ' s just dumb . <| sep |> Convenience store clerk . Minimum wage was not enough to deal with that level of bullshit . <| sep |> Question . Are you still living with your mother ? If you are still living with your mother already and have nothing else extra to pay for except what ' s shown . . I ' d say you ' re fine . Not dontworrybehappy fine . But more like youwontdiefromthis fine . If at all possible , FORGET the contacts and don ' t pick them up . Take the eye exam results though , and go to walmart . Get a pair of glasses instead , and deal with it . It won ' t cost you much for the glasses themselves if you already have the exam done . Tell the eye doc ' s your situation and how it ' s changed , they may take mercy on you . Second . Your bank autodrafting is going to cause you a severe negativebalance fee . And that fee will keep progressing . and payday loans is not going to get any nicer about this . Go and ask your bank for any hardship assistance they can offer , and ask payday loans if the leftover money from after your glasses can be taken at all to help defer things until next month ' s paycheck . Second . Cancel that phone . You don ' t need it that dang badly . Use FB messenger , it ' s free , and talk to your friends that way for a little while . Use wifi hotspots to get updates on your phone , let people know through social media you won ' t have a phone number for a while . You may have a cancellation fee , and all of that jazz . That ' s fine . Let it happen . It ' ll be another debt like your credit cards that can be worked on later . Much later . I know in the South you need a car , and you also need insurance . and yeah , for a young man with speeding tickets , that sounds about right . The best thing you can do for yourself here is to stop speeding . Obey the law , even if you ' re late , even if you ' re upset . Don ' t fudge anything . Drive like a cop is right behind you . All . The . Time . Future reference . Take defensive driving whenever you do get some spare cash , and turn it in to your insurance to show them you ' re trying to be a better driver . It helps lower your payments slightly too depending on the company , so check first . As a side note , if you DONT need your car to get to work , you need to get rid of that thing . Pulling yourself out of this mess is going to take some real sacrifice . If you live less than 10 miles from work , you should get rid of it and bike everywhere . Including to work . Take a change of clothes and a packed lunch from home , and change into nonsweaty clothes and go into work that way . That ' ll help save your ass right there . An accord is a good car , honestly , but the reality is ? You cannot even afford the gas in the car to get you anywhere . What good is paying this $ 300400 a month and you cannot even afford to run it ? You ' re paying for a lawn ornament right now without gas money . Also , if you live with your mom . You shouldn ' t be paying for any food right now . Let you mom help out some more here . If you ' re mooching off of her for a house , you might as well not be spending any money on food and eating there . Seriously . $ 0 balance on food . If you ' re depressed and eating your way through depression , you need to use those job benefits to talk to someonelike a doctor . and hopefully you make it to the point where you ' ve gotten to a reasonable pay rate and are able to really address this depression . In the meanwhile , they do have some free resources you can look into for dealing with depression . Free is always good . CALL the bank , call the car company , ask them , plead with them , see if there is anything they can do to help you defer a payment for a month . Tell them you lost your job , you already have another one , you ' re just waiting for a first paycheck , whatever you gotta do . When you get your first paycheck . Pay off that payday loan with it , your bank balance , and pay whatever you can on your car payment and whatever you can on the insurance . The next check you ' ll have to play catch up with those . Until these are in the green again bank late fees and payday loans GONE and car insurance back to where it once was monthly don ' t worry about anything else . They ' ll harass and hustle you . That ' s fine . Let them . Tell your mom not to answer the phone for you , always say you aren ' t home . You ' ll get there in due time . . In the meantime , I ' d try to mow people ' s lawns , housedog sit for them , do whatever you can to hustle your neighbors for the money you need to help catch yourself up . Tell them you ' re looking for honest work , whatever they ' re willing to pay for it you ' ll do the best you can . Use this money to try to help pay for these more important things . The credit card balances and probably phone balances suck , but they can wait . You don ' t want the bank in the negative , you don ' t want a payday loan out , and you don ' t want to lose your car if you need it to get to work . You credit score can be repaired later . So , after that , start working on your credit cards , there ' s LOTS of info here on how to do that . Look at it this way . when the credit cards are paid off , you can finally get a phone again . It ' s going to be a kind of crappy few months . but you ' ll be alright , and you need to just prioritize your spending . If it isn ' t a payday loan payment , bank balance payment , car payment , or insurance payment , you don ' t need to pay it right now . When those things are back to normal and you ' re paying the normal amounts on the car and insurance , THEN let ' s turn your attention to the credit cards . No phone , no excess food money , glasses not contacts . If you want to man up and dig yourself out of this , you absolutely can . A lot faster if you ' re willing to let go of your car , sell it for what you owe , cancel insurance , and bike until you make enough money to buy a beater car outright and pay liability only . . I ' d give you the option I used to help my sister get out of debt , but I ' m unsure of the level of motivation you ' ve got to get this all done .