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stop paying for the internet for a start!

Yeah because that's an intelligent way to save money in 2018. Without internet good luck earning or managing money let alone attending school. 99% of my earnings require internet. Internet and cell phones are no longer a luxury but a necessity in almost all cases. The fact you brought this up shows you're either just a troll/jerk, a child, or an ignorant person.

What relevance does your debts have to this post?

I am a skilled tradesman and never use advertising or the internet for my business and when times have been hard we dropped the bills that was not as important as feeding our two kids. .

Just saying.. not looking for a fight about it.