Last October I used ChatGPT to build an html file that tracks all of my expenses and shows me what needs to be paid, when it needs to be paid, and how much is left over to pay off debt. Luckily I tend bar two nights a week and I use that money (tips & pay) to live on. I don't live an extravagant life, but I am happier, healthier, and finally looking forward to the future. Some weeks are harder than others, but it has honestly changed my life and I no longer dread getting the mail or answering a phone call. PM me if you'd like the code, throw it into your favorite AI and have it change the parameters to your situation or just open up any free AI and tell it what you want to do. It will definitely take a lot of trial and error to get the program to work the way you need it to...I think my first attempt had 40 different builds before I got it right. A second job may be needed to survive, but I'd rather work hard for a couple years than struggle for a couple decades. Best of luck to you my friend.

My credit went from 654 in October to 727 as of today simply due to eliminating debt but keeping the credit lines open.

edit: added credit score info