<prompt> Human: So here is a breakdown of my debt I currently owe 134k in student loan debt. 129k is from a parent plus loan the remaining 4800 is my personal loan. The personal loan I have paid down from 32k over the past 3 years. Outside of loans I have other debts solely credit cards that total to about 6k. Im working in sales and making decent money this year I made 140k. I will admit I am bad with money. I have 3k in savings. 401k contributing 250mo. Should I pay off my CCs first to pay off my loans faster. I have health insurance for 450mo. My cellphone is 220mo. I pay my moms target CC which is 100mo. I pay 1500mo in CCs but i use them again. I also owe my mom about 400. I need advice on how to manage my money. Should I just cut up my CCs? Should I live frugally for 2-3 years to pay off my loan debt?  <response>: You need a serious reality check. You earn 140kyear but you owe your Mom 400? Should I live frugally for 2-3 years to pay off my loan debt? Yes, but you need to commit to actually creating a budget and stick with it. Have you read the sidebar? 