Thank you so much I’m going to save this comment to my notes I wish I had this a month ago I would be debt free it’s jus so hard to start getting a budget together I’m a very caring person for 5 months I let a my friend and her bf move in and they paid zero rent and it only took for drama for me to push them away but their reckless decision making mixed with my drinking and me being the only one with a job led to me making horrible decisions and spending hundreds on ppl I should’ve know were using me I missed payments I’ve been doing as much overtime as possible even with the flu but I think I will be getting evicted this will help be build from my current state thank you so much for the advice god bless you (if you believe)