<prompt> Human: I need to pay off some debt. A little over 10 grand. I dont go to barsrestaurants, I pack lunches for work, limit use of the car to save on gas. But Im still struggling to pay down debt. Im making the minimum payment plus some every month, but it seems some bill or issue pops up that I need money for. What are some ways I can cut costs to further reduce my debt? Im sure you all know some tricks Im not aware of!Thanks!  <response>: Cheaper cell phones. 160month is too high.Cheaper car and car insurance. 450month is too highLess money spent on food. 400month for two people is too high.Less money allotted to misc spending money. 400month is too highLess money allotted to incidentals. 200month is too high 