I have an undisclosed pet, an $80/mo cell phone plan, and both my gas and electric bills are over $100. Also, I'm adamant about keeping my car, even though I'm

I have an undisclosed pet, an $80/mo cell phone plan, and both my gas and electric bills are over $100. Also, I'm adamant about keeping my car, even though I'm right by work. I make very, very poor decisions. (honestly, I learn more about difficult lives by watching Judge Judy and similar)