<prompt> Human: Looking to shed some debt this year. Im 27, have my own car, house and about 5 credit cards that equal about 13k in debt. Looking to see if someone can work some magic and help me tackle this problem. Ive switched phone plans to reduce my cell phone by 30 and im going to see my bank about trying to get a better interest rate for my car. Below is the low down on my situation...Car loan - 19,734 5.31 - Payment 379Mortgage - 89,974 8.69 - Payment 707Visa 1 - 4,911 12.19 - Payments 99Best Buy - 2,564 3.44 - Payments 45 collects interest on a 346 amount, 0 interest on a 500ish amount ending in July and a 1,700ish amount ending in about 4 years.Chase - 1,825 4.44 - Payments 35 0 interest ends in close to a yearMaster Card - 3,395 14.86 - Payments 50Appliances Card - 1,340 24 - Payments 50 0 interest Promotion ends in AugustMy regular bills include...Utilities - 75Internet - 55Cell Phone - 75Electric - 170 winterCar Insurance - 140 full coverage due to the loanFood - 50-100 a weekGas - 20 a weekMy monthly take home is anywhere between 2,200 - 2,400. Im thinking about trading in the car 09 mustang for something cheaper to bring down my monthly payments and insurance. Deepest appreciation,A broke Padawan.  <response>: Get that mortgage refinanced! 8.69 is insane when most new ones are 3-5 If you can get 5 youll shave 270month off that payment!Your expenses dont look crazy, its mostly servicing your debt. Work to lower your auto and mortgage rates and focus any excess money you have into the credit cards that are not 0 right now 