<prompt> Human: Basically never learning any financial discipline, partying too much and living above my means has dug me quite the hole concerning interest and debt. I am to the point where I feel as Im not sure which way would be best to tackle this debt, and have come to anyone for advice. All accounts are up to date, but I cannot get ahead with the interest.Credit card15.40 purchases 3020.9925.24 Cash advances 275.37LOC17.50 3272.10Student Loan7.99 7374.341900 on balance transfer cardMonthly income 1800-2400 take home 950-1300 paid by weeklyExpenses800-rent utilities included128.00-phoneinternet280.00-Groceries for the month200.00-Job Expenses 970 left on balance, work in a trade so this cant go until payed off.280-estimate on paying minimums on all above accounts CC, LOC,etc80-Car insurance70-fuelCan provide answers to anymore questions.  <response>: Your total for expenses is less than 1800 - so where is the other 600 going in good months? It should be going 100 to debt, in which case you can start to dig out fairly quickly. Cut your expenses more andor take on more work and you dig out faster. Get a roommate, cut your phone and internet bill in half. Same with groceries. Take on a second job. Keep income well above expenses and focus on one debt at a time. Pay minimums on the others and everything extra at that one targeted debt. When that is paid off, move to the next one, and so on. 