I wanted to know how to start over financially & get things back in order. I am 26, sngle,and live in a $1300/mon apartment. I'm locked into the lease for the next year, I just lost my job in sales, am still in grad school, owe 1200 dollars in a loan for cosmetic surgery & other debt adding up to about 2-3,000 dollars , and am now only receiving $600 every two weeks. Sales is not my field and the turnover rate is high if quotas aren't hit every few weeks. I have limited experience in my chosen field, and in the social services field you need experience plus education in order to get a good paying job. I don't want to move back home, but I need to get my finances in order without revealing my issues to my friends ( I'm pretty embarrassed!). Any suggestions..

Step one you need a job. Fast. Or two or three... next, pay your main bills first... food, rent, clothing, shelter, utilities, transportation... any other bills may have to wait.

Get on a written budget... get rid of things you don't need like cable TV, cell phone, etc.. You cant' afford those right now. Dave ramseys plan works pretty good... check out the links in my sig.

Don't be too embarrassed... the money problems you are having and mistakes are common.. we've all done it.

You are definitely in a bind!

Can you take out an ad on craiglsist for a roommate to help you with overhead?

What are the minimum payments on your debts?

What are the other payments you have to make each month
1. Car insurance
2. Car Payment
3. Cell phone
4. Debts
6. Groceries
7. Utilities
8. Parking
9. anything else you cannot live with out?