Reddit reviews The Total Money Makeover: A Proven Plan for Financial Fitness

You can get it used for $6 on amazon. https://www.amazon.com/gp/offer-listing/0785289089/ref=tmm_hrd_used_olp_sr?ie=UTF8&condition=used&qid=&sr=

Based on reading your responses in this thread, I think you would really, really benefit from Dave Ramsey's Total Money Makeover program. His book "Total Money Makeover" would be a great place to start, and his podcasts, which are updated daily. His program absolutely changed my financial life, and I can't recommend it enough. I've found /r/DaveRamsey to be just as helpful as /r/personalfinance, if not more so.

I think Dave would say (don't shoot the messenger), you are really overspending. For someone taking home 33k a year, 10k in debt, to be leasing a $1,000+ phone and owning a German-made car (very high upkeep expenses)... It just doesn't make sense. And now you're going back to school, so your income may be going down. I have alarm bells going off for you, bud. This could get ugly real fast.

At least you have the beans and rice right, so that's a start! :)

The best advice I can give you is to get Total Money Makeover from the library (physical or audio), and start the program ASAP. It'll force you to confront the reality of your finances, help you get out of debt and get your spending in line.

Hope that helps.

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