<prompt> Human: This might be lengthy but I hope someone can help give me a little advice. Some background, my family is upper middle class, I go to a university which is being paid for in full from an account my grandpa set up when I was very young that is specifically used for school. Since I was 15 I worked one job but two jobs in the winter months yet never saved money when I was in high school. When I graduated I quit and moved from CA-OR for school, when I come back on summer break I usually work construction for my Uncle to make some good money yet I have blown all of that money since. Other than that I havent been working at all. I opened a credit card account when I was around 19. My dad co-signed so my limit is 2000. I always told myself I would pay it off in full every month yet I take photos as a hobby and also had a girlfriend the last two years so I was constantly blowing money and only paying double the minimum on my card each month. Now Im 1,900 in debt on that one card and my paypal card I owe 450 yet they just raised my limit to 1,200 so Im tempted to spend more. Im only almost 21 yo. I dont have a job because of full time school but I got some money over this winter break working construction about 450. I want to not be in debt because I shouldnt be. My parents are doing good and dont have any debt besides what they owe on their house. Some of my family is extremely well off so I hate being in this position. I guess what Im asking is just what the best way to reduce my debt and how to stop spending so much as I watch my credit score dwindle down. I know Im not in too terrible of a position and it might sound like Im complaining a lot but I honestly dont know what to do, I want to set myself up now so this doesnt drag me down later on. Also, I set up a Roth IRA when I was 18 but havent touched it after putting in about 150, thats another story but advice on that and setting up stock portfolio too would be awesome or do I not worry about any of that until this debt is paid off?Thanks for any advice and thanks for reading if you did!  <response>: Stop buying things you dont need. 