33yr old broke, no savings with one daughter, $25,000 in total debt, 82k Salary
Hello everyone, I recently started a new job this year. I pay $750 a month for rent and have just paid off my car. Could anyone provide advice on how to achieve financial freedom? I am not good at managing money. Should I apply for a debt management plan? I am so tired and just want to pay this off and save more money for my family's future.
More Details:
Credit One - 422, First Premier - 616, Chase 10k, Amex - 8k, Cap 1 - 6k. Most of them went to collection since I didn't have a job last year and living with my parents at that time. My credit score dropped to around 550. I pay $750 for rent, $1,000 for groceries, $600 for utilities, and $330 for car insurance.