<prompt> Human: Ok, so this is my first time posting here so I do apologize. Im feeling completely stressed and Im exhausted and on the verge of an anxiety attack here. Im at work right now and exhausted from all the OT Ive been picking up, trying to catch up with my finances.Anyways, Ive never really learned how to finance properly so Ive learned along the way. Unfortunately, that means I learn from my mistakes which can be quite costly. If I can just pay off my two credit cards, I think Ill be less stressed out.I never miss a payment on anything, Im very good about paying everything on time. Right now, I have a few major events going on in my life including a new part-time job, the lease of a new car, and moving into an apartment. These are very big changes for me and contributors to stress. My old car crapped out on me so I had to lease, unfortunately.So, Ill start off with what I have to pay off. The beginning of the month include credit card payments and layaway payments while the end of the month, I pay student loans and my car payment.I have one credit card balance of 800, and the other is 1,400. I have a store card with about 600 on it as well. I just paid off my Macys store card needed a suit, so thats done and over with. My car payment is about 215month and student loans 300month. Both of these payments come out towards the end of the month or out of my second pay-check. Ill be moving into my apartment mid-June which will include a 200 deposit and 600month rent. The only utility Ill be paying is electric. I forgot to mention that I spend about 100 towards the end of the month on my cell-phone bill. Additionally, I have about 1,500 in furniture on layaway. My income including OT averages anywhere from 900-1,100 every two weeks. Now, I have a 1,700 tax refund on the way but 300 of that will go back towards a regional income tax and I have a 200 on a traffic ticket I need to pay this month as well. It wasnt for speeding, I made a right turn between certain hours but I wonder if I can go to court and fight it, hoping the officer doesnt show. Well, that all leaves me with about 1,400 I can spend towards whatever. I just got paid today 985 and already spent 100 to close out my Macys card, 200 on my one credit card to bring the balance down to about 1,600, and another 100 to bring my other card down to 800. I need to spend 300 on a piece of furniture for the new apartment 3-month financing and need to spend another 100 on another piece of furniture in layaway. Im hoping to earn at least 1,000 for my next paycheck and will have about 500 left to spend on bills and layaway or whatever else after my student loans and car payment comes out.I just need a solid plan to make all this manageable and I feel like Ive certainly bit off more than I can chew here. I expect my SO to help with rent maybe 200 at a time, but I need to plan as if Im not getting any help here whatsoever. I certainly appreciate any help I can get here. Thank you so so so much!  <response>: It sounds very disordered, like youre keeping track of everything in your head. Write down all your debts in order of interest rate eg:Card A - 600 18.25Card B - 1200 22Layaway purchase X - 800 0.5Use your real numbers. Then concentrate on paying the highest interest debt off first as that will save you in the long run. Make minimum payments on everything else.Sometimes if you have a serious cash flow problem where its difficult to even make your minimum payments then you could decide to use a windfall to pay off your smallest balance first, in order to free up to pay towards your highest rate debt.Consider waiting to buy the furniture until your debt repayments are sorted. Sleeping on a mattress on the floor and eating off milk crates isnt fun but neither is being a wage slave. 