<prompt> Human: Hi all,Im 29 years old making 130K gross a year, 6293 NET a month and a 401K with over 60K. At this point in my life, I have no cash savings in a savings account due to constantly paying off my credit card debt currently at 7K which is definitely due to eating out, going out and going on too many vacations that my budget allows for within a year.My hard expenses such as rent - 1,300, car payment - 247, cableinternet - 86, car insurance 300 every 6 months, I am able to pay easily. But when I look at my other expenses such as foodgoing on trips takes up the majority of my budget.At this point in my life and the money Im making, I should be in a good place to have a solid savings, but unfortunately thats not the case. I feel like I have no excuse to be where I am in this debt. Looking for any tips for getting out of credit card debt and being able to put money away in a savings account and even start investing. My boyfriend and I are starting to talk about marriage and I want to be in a solid financial situation before we do that.  <response>: Stop eating out and going on vacations until debt is paid off. Problem solved. 