<prompt> Human: I moved back home last September due to some depressing circumstances and for financial reasons. I work full time 40 hours a week 18.90 an hour which I take home 1,133.80 bi-weekly. As of now, no rent but cc bills and bit of shoppinggoing out to eat, etc. My savings are a joke but I do have some in my 401k. How fast and efficient can I pay off my debts without living paycheck to paycheck? Every time I pay a little bit of my cc, maybe 500 per month, I end up scraping for money by the 1st and 15th paydays. Think 50 bucks left in acct before I get paid.Current amount in bank: 668.70 CC1 - 3,047.21 CC2 - 441.16 CC3 - 3,496.61 CC4 - 280 CC5 - 200 School loans - 1,662.33 Personal Debt - 950Total debt 10077.31Everything kept adding up through my cc after scrounging for money when I moved out and didnt have money left and had to use my cc.How do I stop using my CC and pay this off efficiently without drowning? It seem as if I am assuming I am spending less because I switch to different cards but this total from all my cards and debts now boggles my mind and I need help! Thank you in advance.  <response>: You need to figure out where all of your money is going. You have basically no expenses but are strapped when you pay 500 towards credit cards? You have a spending problem.Probably the eating out and shopping. That adds up fast. 