<prompt> Human: So a lot of you will probably read this and think idiot I may or may not agree, Ive never been good with personal finance...... Either way, I really want to start taking my spendingssavingsetc. into account bc I feel like somehow everyone around me makes the same or less than I do but are doing better financially... mostly bc I feel like Im living paycheck to paycheck, and Im more than aware I shouldnt be...so, for 2015, the following information is important:Annual Salary Equivalent including bonuses: 72,700 base, 67,700Average Take-Home Paycheck biweekly: 1850 contributing some to HSA, contributing some to 401k max to employer matchMonthly Expenses:Rent: 1250Car: 350.80Internet: 80Hulu: 10Netflix: 10Xbox Music: 10Xbox Live: 5Food: 250Dogs: 100Gas: 100 CarElectric: 80Water: 90 AC runs off waterSewageStorageGas: 20Student Loans: 688 paying interest some principleCell-Phone: 120CC Debt balancemax:Best Buy Credit: 1,4251,500 25month, minimum, no interest until aug 2015Credit Card 1: 650700 25month, minimumCredit Card 2: 450500 25month, minimumOther Debt:Old Apartment Balance: 526 due 2152015The way I do the math, these leaves me something like 460 a month... factor in going out to the movies, liquor purchases, outings with friends, etc., and it doesnt take a big imagination to see me spending 100 month on going out...Which, leads me back to my living paycheck to paycheck feeling and I apologize sincerely, I know how stupid this sounds when there are folks out there struggling to make ends meet on 28k year or even less, and Im sitting here being a moron... but anyway... help would be had either way......Comments? Critiques? Throw it all my way, happy to get downvoted into oblivion seeing as I know Ive been dumb but happy to get some advice here and there too...  <response>: For the amount of debt you have, especially since it is credit card debt, you should consider trying to lower your expenses on rent and the car. Sure, you can cut Hulu and Xbox Music and save yourself 20month. What would be a lot more helpful to you is if you found a cheaper place to live and lower your car payments. Where do you live? 1250mo in most cities is a 1 bedroom pretty nice apartment. Downgrade. Get a roommate, find something cheaper. Save 600month instantly to put towards your CC debt. This of course also depends on how much left you have on your lease and what the lease breaking fees are.Second is the car- what type of car do you drive? 350mo sounds like you bought 25k car assuming you financed for 5 years. Did you buy a new car? How long ago? It might make financial sense to sell this car, and get a cheaper used car to get your payment down to 100-150.Just these two things alone could give you 700-800mo to put towards your debt. I suggest you start there before thinking about the minutia. 