<prompt> Human: Hello. Im a 23 year old female and I am a completely financially independent adult, and its killing me. I get paid biweekly and my checks are roughly 1050, my expenses are as follows Rent: 765Car insurance: 140Car payment: 325Phone bill: 103Internet and cable: 97Electricity 30-50Credit card bills: 175Renters insurance: 20I have just under 6k in credit card debt and basically no savings. Im drowning. I have to pay most of my bills late, which incurs more fees and I just dont know what to do. Any advice? Much thanks.  <response>: youre still turning a slight profit. you have 425month left for groceries and other things. you live extremely frugal for a while: no eating out, no drinking out, no entertainment. no nothing, except for calories in your belly. with these adjustments made your grocery bill should be no more than 200month. you now have 225month left to put into paying your debt off as fast as possible.you get rid of cable, and downgrade to a normal phone contract and you save an additional 100monthyou should try selling your car, so try to estimate how much you could sell it for. if its below your remaining debt, you put all the extra dollars from above into paying this car loan off, and sell it immediately as it balances out. then you get a cheap old used car for 2500from there on out you continue the frugal lifestyle and pay off the credit cards starting with the one with the highest interest. and you never buy anything on credit ever again. youll be out of this mess in no time, trust me 