conversation: User (TheKiddStan): "Hey PF,\nAt the age of 19, I started living on my own. I had just moved out of my parents house and they weren't the best when it came to bills. I don't recall one moment in my childhood where bills were discussed and how/when to pay them, how to budget, etc.. I  learned some of these things from a manager at an old job but it was very limited..meaning I didn't learn much. Anyways, I moved to Texas with my girlfriend, in a to attempt to get better jobs and continue school. I was able to get better jobs, therefore I decided on getting a 300 dollar Credit card and felt like I was the shit! After some life problems, moving and getting a couple new roommates (This is where I started to go in Debt) I was hopeless. With all of these life changes and stress, I paid my big bills but left some other bills (Such as my credit card) out to dry. Since then, I have left those roommates and live with my girlfriend of nearly 4 years. Since then, I have gotten a better job and currently make 13 dollars an hour and I get paid bi weekly. I typically use one paycheck for rent and one paycheck for most of the other bills, not to mention food,. Bills listed below. \n\nBILLS\nRent - 520\n\nCar loan Payment – 175.00\n\nElectric - 80\n\nCar Insurance - 115\n\nPhone Bill - 120\n\nSpotify - 5\n\nBed Payment – 38.80 – amount past due 180.00\n\nCredit Card –closed- amount due 558\n\nGas - 40\n\nI came from a poor family and was never taught the basics. That was the past, today is now and I can only man up to my debts. At the end of the day, I made some terrible decisions about not paying bills and still do to this day.  Which is why I'm posting on here. I really want to be self taught in the correct way of paying bills and budgeting. I want to be bill - stress free! (If there is such a thing) If anyone has any advice on what I should do, please comment. Thank you so much.\n\nEdit #1 Thank you guys so much for all the love. Hell, even the hate. ALL of it will fuel me to get this small debt taking care of. My next edit will be a completed budget with all of the expenses some of you have asked about - Stay tuned!"
  Self: "TDL: OP is an American"
  