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Howdy /adv

I make about 2200$ a month, with expensies being 800$ a month. I have 0$ in my bank account because until very recently I have been extremely retarded with my money.

I have a 11k car loan that is in collections, and about 5k in credit card debt that are also in collections. credit score is 545.

I essentially have about 900$ in money that I can throw at whatever each month for my future, but my situation changes in about 7 months to where my monthly expenses will probably jump to about 1800$.

what should I do here? I am financially retarded and am JUST NOW trying to fix that. I do not plan on staying at my current job forever so "matching" some retirement thing seems stupid. (but I am retarded so maybe i dont know shit)

help or am i fucked?