<prompt> Human: So this may be a long post, but Im getting a bit worried that my credit card debt is spiralling out of control and Id like some help on how to deal with it. Specifically how much to pay my card down each month and advice with some other money Ill be getting.Disclosure: 25M, full time student, working part time, live with my parents but pay rent, dont drive.Monthly Income: 884 442 bi-weekly, irregular schedule, around 20 hrsweek 13hr, so salary fluctuates accordingly.Monthly Expenses Items below are firm and in no way can be changed: Rent: 500 250 bi-weekly Cell Phone: 100 Cigarettes : 200 I need one vice to keep me sane, dont judge me lol Grocery Money: 160 80 bi-weekly Gym Membership: 52.50 Transit: 32 Amazon Prime: 10 Spotify: 10Debts: AMEX: 6000 limit 6500, interest at 0 until May 18 I think, 19 or so after. VISA: 0 limit 1200 PayPal: 1700 as they dont report to the credit bureaus, this is of least importance and Ill pay the minimumNow my grandmother invested a couple of stocks under my name when I was younger, so I should be getting around 2000 by the spring. However, there is a condition that I must get permission from her on what Ill be using the money on before using it.tl;dr: How much money should I put down to pay my credit card each month to make a decent dent on my debt.Any further questions, please let me know. Thanks so much for the help everyone!!Forgot to mention this, but Ive used my student loans to pay for rent for the semester and plan on doing that again in the spring.  <response>: Cut back on smoking. Youre surpassing your groceries on a useless vice. If you need Spotify, get the student discount5.00 a month. But you dont. You can deal with shuffle until youre not 6k in debt. Do you order a lot of packages? If not, cut Amazon Prime, no need for it. Theres also a student version of this for only 50.00 a year. Cut out the gym, do home workouts. Gyms are unnecessary expenses. If you can get out of your phone contract, get a cheaper plan or pay for minutes with cards and limit yourself.Your doing well on your grocery budget, though! Theres some positivity. Good luck cleaning up your debt and figuring things out. Going through similar situation. 