[NEED ADVICE] Outrageous bills, 20 years old. What do I do?

I'm not an accountant, but I can tell that you really do need to fix your monthly budget.

As of right now, with a monthly income of $1,600, 44% is going to your car, 19% to rent, 18% to phone/gas/food, and finally, 6% to your debts.

You are definitely spending too much on your car, so try to get the monthly car bills down to $450, or 30% of your monthly bill. I'd definitely start out with finding a new auto insurance, and if that isn't enough, refinance your auto loan.

After that, try to change your phone plan by either talking to your provider or switching over to another provider through one of their promos (split your bill in half comes to mind).

Are you eating out occasionally? If so, cut down on that. Invest in a slow cooker (about $20) or something similar and cook up weekly meals with it. Buy some rice in bulk. Check out /r/eatcheapandhealthy, /r/slowcooking, or some other food subreddit. You're not rich, so make sure your lifestyle is adjusted accordingly.

Are you using your car more than you need to? Maybe you could walk over to some of your local stores instead of driving over there. I'm not exactly sure how much you spend on gas, but if it's a lot then consider walking as an alternative.

If you're able to halve your food/gas/phone bills, then it'd go down to 9% of your monthly budget.

Look into your debts and minimize all your lower interest rate payments and maximize the payment to the one with the highest interest rate. You'll save a lot more money in the long run.

Based on the information you gave us, you should be having 7 hours of sleep a day, split into two sections and barely any time to yourself. That definitely isn't good.

If you were able to reduce your car-related payments and everything else I listed, your outflow should be about $990. I personally would quit the night job because you're getting paid only about $4-7 an hour. $8.60 from the graveyard shift

I don't know the job rate in your area, but I would look into finding another job during the free time I'd gain from quitting my night shifts.

Again, I'm not an accountant, but I wish you the best of luck.

/r/personalfinance Thread