<human>: Hello everybody. I'm new to here so forgive me if this post isn't appropriate for here. I've been reading through and I think I'm beginning to realize my problem, I feel I know more than I do. I'm in a fairly bad financial situation yet I feel like I KNOW already a large part of the advice. I feel like I know about budgeting and such. But somewhere between knowing and doing there is a loss because I keep slipping further into debt.

For some context, I'm well aware my financial situation could be way worse considering I spent a couple years couch surfing living off of food bank food. So my situation now is way more comfortable. I make about $30,000 gross. I live by myself and my main bills are Rent: $630 (includes water), Electricity: $100ish, Car insurance: $90, Internet/Cell phone bundle: $120, Health/Vision/Dental: $120. 

In the beginning of the year I foolish spent money with the assumption that my tax return was going to be higher than it turned out to be. I got a small personal loan to recoup but this bad financial decision reminiscent of my poor days seems to have capsized my financial security. I pay off one loan and end up getting another one to help cover rent. Right now I'm cycling through a $400 dollar loan with insane fees and my credit cards are maxed out at $1000. 

I KNOW that I should have been able to overcome the financial hurdle and rebalance but I seem to go through the same thing every month. Like currently, I have nothing left in my checking and I get paid Thursday. Luckily, I have some food and gas in my tank so as long as nothing comes up. But I'm so worried that I will keep spiraling back down to being the girl crashing on someone's couch.

Can you give me the gist of the text in a nutshell?
<bot>: How do I stop my brain from thinking I got this when in reality my bank account shows I don't got this.