<prompt> Human: Hi PF, I29 was gifted 10 gold coins that sell for about 550each online. This was a gift from a family member and was suggested that I store them in a safe deposit box. I want to keep the gold as something I can pass down to my son. However, I feel like I should use some if not all of it to clear my CC debt and help me start properly saving.I bring home about 2,400month after taxes. I am also a single parent to a 3 year old. I currently am working to lower my credit card debt, but it seems to be moving at a snails pace. I use Mint, and have gotten a lot better over the months with sticking to my budgets. I have 3 Credit CardsCC 1: -4,702.91 16.99 APR 115 minCC 2: -4,526.75 18.24 APR 109 minCC 3: -529.15 23 APR 26 minBudget:Rent- 875Monthly Fixed Bills Internet, Insurance, Gym, Phone, Etc.- 445Minimum Credit Card Payments- 250Groceries- 160Gas- 100Electricity- 75Unexpected exp.- 150 Kid activitiesclothes- 150Frivolous Spending- 50Total expenses: 2,255Thanks in advance for any feed back! Edit 1: My math sucks. My credit score is 646. My car is paid off and requires low maintenance. Formatting Edit 2: Thanks for the replies! It looks like its a pretty obvious answer to lower my CC debt. Edit 3: My 445 Fixed Monthly expenses New Mattress 6 months 105month Car Insurance- 82.98 Phone- 85 Gym- 21.64 Kids club for gym- 15 Internet- 49.79 Dr mental health- 40 Unlimited Car Wash I live in a dusty area- 15 Netflix, Hulu Spotify- 34.16Assistant: Your credit card debt is insane. This is an emergency. You need to sell anything you have, including these coins. You cant afford a coffee. You cant afford new clothes. You cant afford to eat out.You need a budget so that you can live on what you make.Human: I own my car. KBB is around 6,000. Is it worth is to sell my car and buyleaseloan another car? Or keep this 2012 VW that I bought new?  <response>: If you have reliable, paid-for transportation you need to keep that. Selling your car would be a last resort if you are going to lose your home, and there is no reason to buy or lease a new car and add an expense you cannot afford. I would cancel the gym membership and go to a nearby YMCAChurchpark for your fitness for free and start using that money towards debt. I would also look into a loan from somewhere like SoFi or Lightstream for debt consolidation if you are eligible. This might seem like a knee jerk reaction, but sometimes you can get a rate of around 8-10, which would save you a bundle on interestabout 770 the first year Most of them also dont have early payoff penalties. This is just an option and would not mean you can go back to spending anything on credit cards. If you keep paying the minimum on your cards it will take you about 62 months to pay them off. Sell your gold and cut your debt in half. 