<prompt> Human: Right now I am sitting in a mountain of debt. 1,800 in credit card debt5500 in student loans1000 in medical loansCredit score: 495___I am scared and dont know what to do to climb out of it. I was dumb in reckless in the years prior to living on my own. I have a fiancee and we cut the bills right down the middle. Current Bills: Monthly Rent: 806Internet: 50Electric: 100Phone: 140RentersCar Insurance: 96Animal Insurance: 60___I make around 750 bi-weekly, where my fiancee brings home 225 weekly. I was going to get another credit card and just roll all my debt onto one card without interested for a year, but I cant get approved for a credit card because of my terribly low credit card. I dont know what to pay off first. I have one credit card that is 6 payments past due and about to get charged off which I dont want to happen, seeing as it can stay on a credit report for up to 7 years! I was dumb and I am scared. I also have a game membership that is 10month and Spotify, that is 10month. So coming from my end, I pay: Roughly 648month for bills. Not included debt payments, food, gas, etc. That leaves me with 852month for gas, food, etc. It seems like a lot. . . but where the hell is all my money going? Im young and dumb, please help!EDIT:As many of you suggested, start tracking EVERYTHING I spend. Which is great because Ill see exactly where my money is going. I also need to start cooking at home more, instead of eating out because I am lazy and dont feel like cooking! Thank yall for the tips!  <response>: Get rid of the subscriptions and pay attention to how much youre spending on food. Make the bulk of your meals at home if you dont already. I just want you to know that I make about twice what you do but have 120k in student loans and 10k in credit card debt and feel like Im doing okay...but I dont pay for any subscription services and I meal plan so that my daily meals in total cost about 5. I also rarely go out to bars or restaurants, which sounds boring but is not really because I just invite people over instead of going out, so I still get the social part of going out. Your debit is actually really small compared to a lot of people, so just tighten up on the frivolous bits for a little while and I guarantee you can get yourself outta debt in no time! 