<prompt> Human: Im currently trying to get out of this little amount of credit card debt that I am in so that I can live a little more stress free.Currently I make 8.24hrnot real sure cause I havent seen my check since I received my raise and I work 40hr wks. Roughly take home 530 every 2 weeks.I have 666.97 out of 750 on one cc with no set interestsome kind of daily avg. interest rate. I am paying 100 each month so that I can use it to pay for school so it will pretty much stay maxed till I make four payments of 114 this semester, and thats not even counting where the money will come from for books lol. I owe 402.85 out of 400 on another credit card with same interest program as my other one.I also owe roughly 400 to my parents credit card for helping me pay for repairs and etc. expenses.All cards have a min payment of 25.I pay about 94 for my phone, 112 for cableInternet and roughly 90 give or take 10-15 for electricity. My car payment with ins. is 130 per month which will be paid off here in the next few months so some of that will drop just not sure how much ins is I pay my parents my car payment I also have 80 left on an outstanding balance on a previous phone bill, I will be paying this off the next time I get paid.So how much should I be paying to my credit cards so that I can pay them off ASAP? Which card should I focus on? I tend to have a little less than 300 dollars left after paying what bills I owe that pay period. All help would be greatly appreciated Because I dont feel like I am paying enough on all the cards.  <response>: What P4-FSH said is true. 20 of your monthly take home pay is spent on 2 things. Phone and cableinternet. Thats a crazy high amount. Heck, almost 10 of your income just on the phone is crazy. To answer your question, pick the card that has the highest interest rate. Pay all your extra money toward that to pay it off. Pay the minimum amounts on the other cards. When you get the highest interest rate card paid off, move to the 2nd highest rate and continue.Also, stop using the cards. You probably know this but I figured I would say it. 