£12500 is tax free

I net £2300 a month (£26700)

Live in a 3 bed house outside london, paid off house my mom got in a divorce, she put my name on the title

£300 utils (gas, water, electric)

£232 property tax

£279 car note

£150 car insurance

£50 internet

£50 phone that I only use to deal with work (no friends)

£500 home insurance per year just hit my acct

I send my mom £600 a month gratuity for letting me live here, she lives overseas taking care of my grandma

Dont really have anyone I can ask for help.

I work in a warehouse and have no skills

Im expecting a paycheck now that will clear my checking overdraw to perhaps +$200...

recently my car broke down, house got flooded last year.

worked up to $7600 in debt between my overdraft and cc atm

once I get paid I will probably have to cut off my mom for a few months to pay down my debt until its manageable

How would you budget this to pay down $4500 cc

I work a bunch of overtime but i get pwned by deductions so hard its not even worth working

I worked virtually 30 days straight for 3 months this summer, and my paycheck worked out to like £3500 after all my deductions. Main problem is my spending on food is probably high since im not tracking it well, I dont spend a lot of time home so I cant prep and track it, I end up swiping a lot on food outside + one random issue like 1-2k bill wipes me out.

(http://www.autoadmit.com/thread.php?thread_id=5799654&forum_id=2:#49441446)