You are posting on a poverty finance sub but you do not live in poverty. You are just terrible at budgeting.

You cannot afford an Apple Watch on credit. It might be too late to fix this, but don’t finance a large luxury purchase like this again. You can’t afford it.

I hope the iPhone you financed is an iPhone se or a used phone. You can’t afford the latest and greatest. It might be too late to fix this, just don’t do it again.

How is there $13k left on your vehicle? That’s a lot. If you need this car for work I get it. But you clearly picked a car that was outside of your meanS. You only make $60k a year. Just because the dealership will give it to you, that doesn’t mean you can afford it.

Stop using your credit card immediately. You don’t use credit responsibly so stop using it.