<prompt> Human: Been lurking around for a while and taking some tips that seem to be popular but am now looking for some more individualized advice on my personal finances. Heres a little background on my situation.I work a full time job 40 hours a week at 9.01hr. This was working great for a while. Of that wage, I take home about 800-1000 a month. Thats after health insurance and a company matched 5 contribution to my 401k. Other than this income, I dont have anything else coming in.I have a car that I purchased less than a year ago that i feel that Im in a fairly good place with. 2011 Malibu, very low miles. I currently owe just shy of 16,000 and am making payments of 275 a month, about 150 a month in gas and 165 on insurance. My cell phone bill is 50. I have 2 credit cards. One is from my credit union and one from Best Buy. The credit union is at 1000 owed at 12.9 interest and the Best Buy is a promotional card, about 1800 owed but at 0 interest if i pay it off by 92015.Where Im running into problems is my current situation. Ive moved away from home at my mothers to live with my father and family in another city. I have been here about a month and havent been able to do much in the way of helping with bills. In no way am I okay with freeloading off my dad and living here without helping. Bills have been a concern lately and I simply dont know what to do.Ive stopped eating out for lunch every day and almost all together and no longer go out to movies or go shopping for unnecessary things see Best Buy credit card lol. Ive helped a little with groceries and have been taking my lunch to work every day.I was looking at either a better paying job or finding a second job to supplement my income. My concern has really been to pay off that credit card from my credit union first. I was careless with this newfound money and dug myself into what I feel is a big hole. I really want to help with bills and groceries but dont know what to do about not making enough money to really carry my weight around the house. What would rpersonalfinance suggest for me to pay off my credit card debt as quick as possible and help out more around the house.Thanks.TL;DR: 20 year old,full time worker at 9hr. Car payment, credit card and bills around the house. Suggestions on making it work.  <response>: You are spending over 50 of your take home pay on transportation. If you are still right-side up on your car, you should sell it and bike everywhere, take public transportation, or buy a 4000 car. If your dad is ok with it, you absolutely need to put all excess money into paying off that credit union credit card instead of appeasing your conscience by helping pay household bills. 