u/BrokenEIevator

i’m 20 years old and i’m $8,845 from various credit debts and my car, which paying my dad $300 a week because he loaned me the money for it. I make $18 and i work 40 hours a week full time and im paid weekly anywhere from $600-$650 depending on my overtime hours, i just don’t know how to get started on this or how to cut it down, i really want my credit cards paid off because i got into debt with that as a result of not having a job from march 2025-july 2025 with poor spending habits