<prompt> Human: So Im 30, just landed a job making 80kyear. Pumped. Was making 55k and having literally 20 to my namemonth after bills. Im making the minimum payment on credit cards, as well as every other bill. Some months the electric goes unpaid. So with this new position and huge salary gain, Im starting the road to FI, but first I need to do some thorough planning!My situation is: Im currently 8k in credit card debt two cards at their max. I have about 12k in a car loan, at a minimum of 200mo. My mortgage is 1700mo. My wife puts in 400month to common bills, plus she has her own carinsurance, student loans, etc. She also buys the food for the house. We also have 300month in misc small loans redid windows for house, and furniture line of credit, etc. Those total about 6k right now.Im fucking sick of living paycheck to paycheck. I made a Mint.com account and set up some plans to get my credit card debt down. If I follow the plan I laid out, Ill be able to pay 700month, PLUS minimum monthly payments, to credit cards. My first question is, would it make more sense to pay the minimum monthly on both cards, then 700 to just ONE until its paid off? Or would it be better to split the 700 and pay 350 to each on top of the minimum payments?My next question is when I get the cards down to under 10 of their limit, what should I pay off next? What has priority? My options are:House: The house we will probably sell in three or four years and if the market is at least as good as it is now, were expecting to walk away with 50k profit at the minimum, or turn into a rental property.Car: If I threw 700month, plus minimum payment 200 at the car, it would be paid off within a year or so.Small loans: Would be paid off within four months or so.Im pretty excited to actually start to develop a financial plan. All of this would still leave me with 200mo in my pocket after everything. Ultimately, once my credit score is out of the 500sinto the low-mid 700s, and most of my outstanding debt is paid, Id like to start a small investment account, or get into real estate.  <response>: would it make more sense to pay the minimum monthly on both cards, then 700 to just ONE until its paid off? Or would it be better to split the 700 and pay 350 to each on top of the minimum payments?First, minimums on everything. Then the maximum to whatever has the highest interest rate.when I get the cards down to under 10 of their limit, what should I pay off next? What has priority?The rest of the 10. Your goal is to get back in the grace period with your credit cards so you stop paying interest. Pay them off and keep them paid off until you have a statement balance of 0.After that, you keep following my first statement. 