<prompt> Human: Ive hit rock bottom and its the absolute lowest Ive ever been. Im doing nothing, eating very little, and want out of this situation. Now, I should probably clarify. Even with all this crap I am dealing with, I have NEVER in my entire life felt so happy and content. Which is odd. But, I guess having absolutely nothing really does change your perspective on life. I am getting straight A in my classes, Im in the top 5 percent of a couple hundred agents in my company, Im meeting new people, and Im truly happy.Im currently 24, working full-time with a decent 9 to 5 job, and am a part-time student. I know that 24 is not old but Im also not as young as I was and I have made terrible financial decisions that could easily bleed over into my 30s. Which is not the least be okay with me as I have goals. Which I will meet but I need to figure out how I am going to get there as soon as possible. For example: I want to travel, move, hangout with friends, date, be able to eat more than rice... and simply... Live Life. Due to recently errors and miss communications with my apartment complex I had to pay upwards of 800 to settle the miss communication which ultimately dried up every penny I had been trying to save.TLDR of my intro. Rock bottom. No money. Ive never been happier. I need help.So, Ill just lay those wonderful cringe worthy balances and bills out. Edit I should have probably clarified: Gross: 1700 Take home: 1300--Mandatory Expenses-- Rent: 445month Electric: 30 average Renters Insurance: 205 yr Car Insurance: 3306 month---Slightly Optional--- T-Mobile: 90month Student Loans: 18,000 - 120month---Credit Cards--- Capital One: Max: 1250 Rate 22.90 Balance 1,156 Monthly: 37.00 Chase: Max 3500 Rate 22.99 Balance: 3,395 Monthly: 135.00 Bestbuy: Max: 1100 Rate 25.24 Balance: 969 Monthly: 30.00 Newegg: Max: 2000 Rate 25.99 Balance: 1933 Monthly: 61.00 Amazon: Max: 1400 Rate 25.99 Balance: 1462 Monthly: 46.00 JCPenney: Max: 1400 Rate 26.99 Balance 464 Monthly: 25.00Combine Credit Card Balance: 9400Monthly Credit Card payments: 335Total Average Monthly cost of just bills: 1100This does not include books, food, gas, spending money, or anything else. That is simply how much I pay per month to prevent my credit from flopping and to keeping a roof over my head. I have no finances to fall back on. I have a car which is worth less than 2,000 and its falling apart. The most expensive possession I own, that is worth anything, is my PC Maybe 1,000 to 1,500. I simply do not know what to do, where to start, who to speak too, ways to pay off these debts... Which, is why im reaching out to you wonderful people.If youve made it this far youre awesome. I would value any advice or opinions on how to get kick this debt asap. Thank you! Assistant: First of all - breathe. Its okay. Your situation isnt uncommon and people have gotten out of worse!The first thing you need to do is get that income up. Maybe that means looking for a new job. Maybe it means getting a second job to supplement the income. Even if you can work an extra 10 hours a week somewhere for 10 bucks an hour, thats 400 more dollars per month to go towards that credit card debt. People work 70-80 hour weeks all the time. It sucks, yes, but the other positive is that when youre working all the time, you dont have time to blow your money. :Basically, youre going to have to go into super saving mode. This means NO NEW DEBT. For the next year or so, you will be eating rice. No eating out. No trips. No new video games. Maybe Netflix. Maybe. Take the extra income from your new job and put it ALL towards the Best Buy credit card. Youll have that baby paid off in less than 3 months. Then put all that money towards the next lowest balance credit card. This is called the debt snowball method, and eventually youll be able to pay off your debts faster and faster. Make a chart and put it on your wall! If you get serious about it, this can become a fun game or challenge, and youll love watching those debts disappear. Just know that something has to change. Even if you decided to not use a credit card ever again, but keep your current income, you wont have enough money at the end of the month to live and pay off your debt. Good luck! I hope you find the motivation that you need!Human: A second job looks like its going to need to happen asap. I cant keep this up and make it.Question about the recommendation about paying of the Best Buy credit card. Correct me if Im not mistake shouldnt the card with the highest APR be paid off first?  <response>: If you were going to be paying the minimums on these until they were gone, then yes, paying the highest APR makes sense. However, youre not going to pay the minimums, youre going to throw EVERYTHING you have at one of these until its gone. Really, since most of the cards have similar balances, you could choose the one with the higher APR to pay off first. Its not going to make that big of a difference in this situation. A few dollars in interest is all.The important part is choosing one card and getting rid of it. Dont just pay a little more than minimum on all of them at the same time. If youre interested check out the sidebar info under debt. Avalanche vs. snowball method. 