Thank you to all for the advice. I greatly appreciate it. The main problem I'm having is that I simply do not make enough money to cover my expenses. When I get paid, I have to choose...do I put this money aside to save for my rent or phone bill or student loan payment OR do I put gas in my car & buy groceries?? This is the main reason I overdrew my bank account by so much. I never have enough money for anything so, I'm constantly having to pick & choose on which bills to pay. Do I buy groceries or do I pay the electric bill? Do I fill my gas tank so I can get to work or do I pay the water/sewer bill?

To set up a payment/financial plan with my dad or anyone at this point seems like a mistake for fear that it's just another bill that I can't afford because I don't have enough money coming in.

I've been going through my monthly bills to see where I can cut back & honestly, I've done what I can. My only other option is to move into a cheaper apartment, BUT I have 6 months left on my lease. I've asked my landlord if I can get out of it without a penalty & she said, "no".

I've considered getting a 2nd job, but the job I have is scheduled differently every week. I'm simply exhausted from all this. I cannot live the rest of my life like this. It is killing me in every way.