<prompt> Human: A bit stressed. Wanted to post here and get some advice. 3 years ago I graduated and moved to a new state, managed to find a job quickly, and things were going swimmingly. A year goes by and I am unfortunately laid off. Cue about 8 months of job hunting with various odd jobs here and there. Started putting expenses on a credit card...suddenly it sort of snowballed and now I have 5 credit cards and 18k in debt. I, unfortunately and stupidly, just sort of played it off like it was nothing...but 18k is a lot of money and that is not nothing. Last night sort of had a breakdown about it, but am determined to get myself out of this mess. Here are my basic expenses right now-3,200 Monthly income I have a job now thank goodness- 650 Rent-150 Utilities- 293 Car Payment- 314 Car Insurance- 200 Gas- 200 Groceries- 28 Gym- 30 Entertainment- 35 Renters Insurance- 293 Student Loans- 253 Credit Cards all 5 total, all at 0 interest right nowAnd...I think thats it. My biggest issue is that I have a spending problem. Im finally becoming aware of this and am taking steps to stop this. I also go out on weekends too often...cutting this as well. Right now I am looking for a second job on weekends. I am thinking about possibly becoming a soccer referee as I use to play and think it would be a good supplement. Once I secure a second job all that money will go straight to the credit cards.And...yeah. Any advice from people who have gotten themselves out of something like this? I feel pretty stupid and dumb for letting this happen. Just hoping this isnt a hopeless situation and I can get myself out of it.Edit: Just wanted to thank everyone for the advice! Still slightly overwhelmed but taking action to fix this mess.  <response>: All of your expenses add up to 2446. Is that income number a take home pay?Because if so you have 700 in available income that could be used to pay down the CC debt rather quickly. If you get a second job you could have it all paid down within a year.It looks like youre in good shape and I would just recommend that you build up a good emergency fund once you are through all this so that you dont have to go into debt if you get laid off. 