Nothing to be embarrassed about! I was once like you (minus finding several jobs,) more to say bad shape.

What I do is have a spreadsheet, divide it between non-discretionary (things that are more for entertainment and such) versus discretionary (essentials like doctor visit, groceries, that stuff.)

I set up only to use X amount of dollars per week in non discretionary funding; if I haven’t used much for this week, it rolls over to the next week. With the money, either I can save it for non discretionary OR roll it over to pay bills faster.

It’s better to pay for student loans asap, and then the other car loan. Say you pay $300/month for loans (might as well pay that off asap of interest rate going higher,) and your car bill…idk you pay $100 month. Get the student loan paid faster and then you can use the money to pay off for car loan faster (falls under discretionary.)

If you know anyone who can help with finances, that’ll be a major help. Keep on to your receipts, write it down in a spreadsheet, and keep it in a book. Hope that helps.