<prompt> Human: Im 9,500.00 in credit card debt... there I said it. Ive refused to tell anyone this for a long time because I care how people see me. I care that I can go eat downtown whenever I want, that I drive a nice car, that I can take spontaneous trips with my friends, that I can treat my girlfriend with dinners - flowers - presents whenever I want, that I live in a great location downtown. Well after realizing I have no time before I hit 6 figures in credit card debt, Ive decided enough is enough. BTW - I just found out today I have a credit score of 678, is this decent? Im selling my car that is costing me 630 a month in payments insurance, buying something I own outright. I am moving back in with my parents which will save another 650 a month. The hardest part for me will be budgeting my expenses. Spending money comes easy when you have it. Ive already begun to feel better than I will have those expenses gone. I bring in 1,500 bi-weekly after taxes, hoping to put 500 towards the card and save the rest. Any more advice would be appreciated from you all. Im subscribed to this thread and love hearing stories of people busting their ass to be debt free.  <response>: Stop caring about what people think about you. Its overrated. 