I am working with a young client who realizes that they have been making some mistakes with their money.
This is an interesting issue, especially since I am aware of those much older in exactly the same situation.
As expected there is limited income, credit card debt and limited additional income potential without another job. Savings are non existent.
The first step is to get all of the information. Find out where the money is owed and what expenses can be trimmed or eliminated.
Then structure payments to get the credit card debt eliminated. Then the savings need to be addressed.
It will not be easy or fun. But it can be done and with a solid foundation a future can be built.