thebeat

I really need some serious help when it comes down to my personal financial situation. I'm going to provide alot of financial information about myself, consider you dont have my name, location..etc..Not that I really care...

I'm having some serious issues saving/planning for my immediate and future financial wellbeing.

I'm 21, engaged and I make around 26k before taxes (I work in Radio) . I have several loans including a car loan in which I have $14,000 at (7.25%) borrowed with 4.75 years left to pay on...roughly $4,000 in low intrest rate student loans, and close to $1,800 in credit card debt (6.75% APR). I make enough to pay off my bills during the month but with very little (less than $100) left at the end of the month.

Obviously investing is out of the quesiton because i do not have enough money to get started, just putting the less than $100 a month in a savings account won't get me anywhere in the short term or even long term for that matter...

Does anyone have any ideas what I can do to begin saving for me future or investing somewhere so I can generate some kind of short term return in order to save for long term? (if that makes sense) Any insight would be much appreicative.