The way that your budget works is likely to be quite dramatic.  You make Bad Credit Car Loan payments, those payments are applied to your debts and then you eventually have all of your bills paid.  However, as simple as this sounds, it actually is not quite so easy.  Working to ensure you have the best overall solution is really important and allows you to make certain that you get a good working answer.  Small payments are obviously going to be much easier to handle, though the interest charges will greatly increase as well.  Balancing the needs that you have to get the proper result is really important.