<prompt> Human: Im a 26 yr old male I earn minimum wage, 300pw after tax. . I have lots of credit cards debt and a personal loan and vehicle finance to pay off I need advice in the best way to get out of the red. 1800 on credit card 400 on the second 300 on the thirdoverdraft of 800owe 600 on vehicle finance for a bike3500 due on personal loan to father The car is being written off and with my GAP insurance Im expected to recieve 7,700 and want to use this to sort myself out financially.  <response>: Im not really following you. If youre getting 7700, you should have enough to pay off all of the debt you listed. If it turns out you dont have enough to do that, pay off the overdraft first that is a financial emergency! then I would pay off the loan from your dad, then attack loans starting with the highest interest rate.Additionally, youve gotten into an unmanageable amount of debt for your income. You need to take a hard look at your spending, because you got very lucky with this one-time windfall. 