<prompt> Human: Hey everyone,I recently finished my undergrad in May and started a full time job and need to start paying off all the debt I racked up foolishly. Heres the breakdown:Car note: 6000 3.99 250 monthCredit Card 1: 800 balance 18.24Credit Card 2: 2800 balance 20.24Credit Card 3: 1300 balance 23.24Credit Card 4: 6000 balance 0 until August 2017 parents credit card, just helping them out since I am living with themStudent Loans payments start this December: 55k approx.My other expenses include gas 150month, phone 40month, some other misc. subscriptions 25month. I will admit I do go out whether it be eating, drinking a lot which contributes to my money mismanagement but I have been stepping away from that lifestyle to focus more on work, so well say at the moment I spend 120week on whatever it may be. My salary is 43k, after taxes my paycheck is 1300, 200 which I put directly into savings just to build emergency fund which I dont have at the moment. I will be getting a 20 raise within a year but not really trying to account that in right now.Please let me know what you all think. My financial goal is to just rid ALL of this debt within 4-5 years so I can start focusing on saving for a house.EDIT: Just to be clear, I am saving 400 a month. 200paycheck.  <response>: Well you ball away 13rd of your paycheck probably more. While also carrying credit card debt at 20. Seems kinda straight forward to me. 