<prompt> Human: Hey all. I currently make 86k a year with 15 bonus. I have 25k in credit card debt that Id like to pay off as soon as I can. The reason its been SO hard is because I have.. 60k in student loans that I pay 860 a month on, 1,100 in rent per month, 200 a month in car and rental insurance no car pmt btw, 86 in cell phone cheapest option i could get, 55 comcast again cheapest option for internet only and about 40 a month for netflix, birchbox, and spotify combined. My credit cards are about 550 min each month.. after all my bills not including CC min payment I have about 1700 of discretionary income that I plan on keeping 600 and using the extra 1,100 each month to put towards credit cards this 1100 will include the min balance due that is 550 per month for them all combined. My problem is I just always seem to go over spending 600 each month. This is just for gas, food and fun. I try to limit how much I go out but my BF and friends all think I make so much money that I feel ashamed to ever tell them how much debt im in and really cant afford shit so i somehow seem to use my CC again. Its never ending. Im planning on taking out 600 in cash each month and limiting myself that way.. has that worked for anyone? The plain old cash method to ensure you arent just swiping away all the time? Idk what else to do... PS- that 15 bonus i get always goes towards CCs each year... Assistant: Either move out and rent a room and throw that money towards the credit card each month or stop paying on your credit card and take a hit on your credit for 7 years and eventually settle with the credit card company for about 30 of the total :Human: Im definitely not going to ruin my credit like that. I cant move out because then my friends would wonder why I cant afford it when they think i make so much more than them..  <response>: Your priorities are wrong. Saving face isnt the important thing, getting your financial house in order is. 