system
hopeful: i hope to be able to get my finances in order by the end of the year
gpt
i hope to be able to get my finances in order by the end of the year
gpt
Do you have a plan made up?
gpt
i'm working on it 
gpt
I think you can do this, I'm proud of you.
gpt
thank you so much i'm really trying.
gpt
Whats your first step in the plan to get back on track?
gpt
not using our credit cards and put money in savings