<prompt> Human: I am 24, I have two part time jobs and am a semi-full time university student. Ive been in debt one way or another for most of my life. Whenever I asked for something from my parents that I couldnt afford when I was about 14-17, I would receive it but the monetary value would go on a tab my mother kept and I would pay her back whenever I could.This is probably the single contributing factor into how I spend my money now. I have two credit cards, a Visa and a MC, and a student loan. Currently, besides my student loan balance, I am approximately 14,000 in personal debt. I convince myself most times I get stressed out about it and think, it could be worse, a lot of people are tens of thousands of dollars in debt so Im doing alright. This attitude towards my situation is pushing me further and further into a debt that I cannot seem to get myself out of. My significant other has no idea that I owe this much and if my mother found out she may or may not have a heart attack before and after she killed me.I just started university this September and plan to complete a four year degree. I stopped working full-time and that has started to put a lot of pressure on meeting my monthly payments each month. I have tried to set up a budget on excel too many times to count and as much as I wish that would work for me, it seems hopeless to try that again. I know I spend too much and at the rate I am making money now, Im more scared of the possible risk to my financial future I may be making.My MasterCard is thankfully at a very low interest rate, 5.99. It has the largest owing balance of a little over 10,000. My first thought is continuing to pay my statements and put as much money as possible on my Visa balance: 4000, as its about 19-20 interest. I did try this in the past and it didnt work out for me because I did it alone without any support.My last resort is having someone else in control of my money entirely. I would have no primary access to my money whatsoever and if I want to buy anything, I have to ask and hopefully get talked out of. The only problem with that is I dont know who in my life I feel comfortable being this person. And, obviously, I cannot afford to hire someone legally to do it for me. I really hope to get a handle on this and want to eliminate the possibility of it getting worse.I would appreciate any ideas, thoughts, personal stories you wish to share or any general words of encouragement.Thank you for reading!  <response>: Im slowly accumulating more and more debt and I dont know how to stop it.Stop spending more than you take in. Use the difference between what you spend and what you make to pay down the debt. 