<prompt> Human: Im 32, living on my own, and carrying way too much debt to manage. Ill admit Im bad with money and planning ahead. I have 18 different credit cards all carrying near max balances and a personal loan of 4000. My monthly income comes out to about 2200 and my budget is already way over that and I havent even figured food or gas into it yet. I dont know what to do and need help. Heres my current budget.Category GroupCategoryBudgetedPNC Credit142.00 Credit One Bank25.00 Kohls25.00 Giant Eagle50.00 Toys R Us25.00 Guitar Center90.00 Amazon Credit50.00 Paypal Credit150.00 Wal-Mart70.00 Chase15.00 Gamestop50.00 Target Red Card40.00 Best Buy225.00 Santander70.00 American Express70.00 Capital One - Visa25.00 Capital One - Mastercard25.00 Citizens Bank40.00 RentMortgage610.00 Electric70.00 Natural Gas35.00 Cell Phone150.00 Groceries0.00 Fuel0.00 Internet70.00 Netflix10.00 Laundry0.00 Medication40.00 Avant Loan190.00 TOTAL2,362.00  <response>: Current budget? Just a question but this is what youre budgeting formonthly repayments or just what you actually spent the last month?If the Best Buy, Gamestop, etc. cards were used for purchases in those stores you should try and return as much as you can.Cell Phone, Internet, Netflix - cancel as many contractssubscriptions youre not locked into as you can.What is the loan for? If you can spare itstill have it, use the money to pay off what you can and then your monthly income to chip away at that loan debt rest of cards.I dont know how it works in America but filing for bankruptcy does not seem to be necessary just yet - you just need to really stop spending on anything other than food, medication and fuel. 