<prompt> Human: So as the title says I am very in debt due to some very bad financial decisions as well as some stuff going on in my personal life. Im fully accepting that I made this bed and now Im lying in it.My debt is as follows20,000 on a 11.99 CC9,000 left owing on an auto financeCurrently I make 26,000 a year after tax which works out to be about 2154mo and 1077 each paycheck. Currently my fixed monthly costs are as followsRent - 790 Auto Loan - 340Car Insurance - 210Gas - 120 ishDog food - 90Food - around 200 per monthPhone - 80Gym - 30All this equals around 1860, so after all that I have around 294 left over for paying debt or anything small for myself.My minimum payments for my CC are around 200-250 arm so Im barely paying my monthly interest at this point.I just secured a job where I will be making 32,891year after tax, 2740mnth which after all my fixed expenses will leave me with around 881 a month. My main question is should I put all of that towards my CC Debt or should I be putting maybe minimum payments 250-400 towards that and putting the rest in savings?Edit: I thought I had it in the post but it appears I didnt put it in. I live in British Columbia CanadaThanks everyone for all of the tips and help, I will try to read all the comments and take into consideration what everyone said. I really do appreciate it and I hope that this thread will help someone in the future if they find themselves in a similar position.Assistant: I reccomend clearing your CC as soon as possible, clear all your debts before you even consider saving a penny, and maybe you could be doing some home workouts and running to save that 30 Dollars, best of luck friendHuman: Yeah thats what I figured, even paying the 800 a month it would still take me around 4 years to fully pay off my debt. Once I pay off the car I can definitely sell it privately for around 10K so hopefully that would take a big chunk out of it. Not to mention once Im done paying it off I would have around 440 more to go towards my debt.Assistant: Why wait to pay it off? Sell it now and save on a buttload of interest.Human: Well I need the car to get to work, and selling it after only having it a year would put me at a huge loss probably even compared to what Id pay in interest.  <response>: Sell the car for 10k, buy something cheap and reliable like an Echo. Its not sexy but its cheap to operatemaintain while you dig yourself out of this hole. Youll save on insurance and gas as well can get it as low as 90m. Get rid of the gym membership - you can go running or workout at home for now. Scale back your phone plan, you dont need more than the bottom tier - you may want more but you likely dont need it. Ballpark: up to 470 savings per month which bumps you up to 1350 to pay down the credit card in only a year and a half. 