<prompt> Human: This is going to be a bit of a ramble because im not totally sure what Im looking for, but bear with me, Ill hopefully find that along the way here.I am currently extremely stressed out about my financial situation and not sure how to begin to turn things around. There is also a small possibility that maybe I am stressing over nothing, because I know this is definitely not as crippling of a situation as I could be in. I am currently 23 and I have a stable job that I dont particularly enjoy, but I am one who is willing to be unhappy with my job if it means I can meet the financial means to find happiness in other areas of life. I make a pre-taxed income of 61,770 and should be getting a substantial min of 10K raise in the next six months. I also will receive my yearly bonus of around 5K in March of 2019.Debt Breakdown:I have 49,000 in student loans with an average fixed interest rate of 4.158. I am making monthly payments of 500. I plan to use my yearly bonustax return as large payments towards these loans and hope to wipe out this debt in about 5 years.I have 24,400 in credit card limit which I am utilizing 7 of at the moment. I have around 1900 on two different cards: 1095 on one with a 24.74 APR and 765 on another with 19.9 APR.My credit score is in the 750s so I am doing OK in this aspect...but I still stress. Those APRs are high and I am unable to get these balances to 0 anytime soon. I am definitely dependent on these cards for things like groceries, trips, day to day needs as my rent and bills eat up much of my income.When making a strict monthly budget, one where I am eating Kraft Mac every night and only allowing myself one night out a weekend, I have 458 remaining each month which I was planning to use that extra bit to pay off my CCs by the end of 2018. But this is so draining. Every card swipe makes me tense and I cant enjoy anything when I am out. I can suck it up and live this way for the next few months, but is it necessary?I basically am looking for someone to tell me I am doing alright at this point in life or advice on what to do to get me on the right track. I am able to make the minimum payment on my credit cards right now, but from what Ive read online, this is a drop in the ocean. Should I open another credit card with 0 APR for the next 18 months, transfer my debt and then use my bonustax return next year to pay this off? I know this should be a priority over the SL since the APR on my SLs are minimal compared to the CCs. Should I continue living on a strict budget? Should I relax a little bit because 5 years from now this should all be under control and the 1K Ill pay in CC interest is nothing in the long run? This is all so draining and I havent been able to sleep or enjoy anything I do lately. I want to not worry about it, but its such a slippery slope Ive watched people very close to me get sucked into.UPDATE:Some of you are asking for my expenses:Subscriptions:Spotify 10.89 Hulu 13.06 New Gym 39.99 Bills:Comed 115.00 Peoples Gas 23.00 Sprint 129.00 AE Loan 147.00 GL Loan 190.00 Marcus Loan 154.36 Renters Insurance 16.00 Rent 650.00 Amex 35.00 Southwest 25.00 Needs:Groceries 280.00 Shopping 50.00 Dog Food 40.00 WantsExtras:Uber 100.00 Eating out 300.00 Alcohol 50.00 OUT: 2,323IN: 2,900  <response>: Stop using the credit cards. Theyre not helping you. Get a debit card and only spend what you have.1. Food2. Housing3. Transportation4. CC debt5. SL debt...in that order. Min payments on the SL debt until the CC debt is paid off. Unfortunately, theres no fun money there, because youre broke, and broke people cant afford nights out. Any money you divert from that list will only keep you broke longer and extend your malaise. Its going to suck for awhile, but you make pretty good money, and if youre focused, youll knock this out in little time. 