<prompt> Human: The story is, I had around 5K in CC debt in January, when I quit my job because I hated it. Im decently qualified for my industry and working on a few masters degrees. I figured I could get a job fairly quickly, and could live off of the money I had saved. I didnt adjust my lifestyle, thinking that my unemployment was going to be short. Eventually, I gave up looking in favor of Uber and holding out for a more specific job. From May-ish to September, I began struggling to pay my bills, and consistently missed payments on everything but my student loans, which I put into deferment. I finally started a job in the first week of September in the industry I want to work in, and my take home each month is 4,837. By the beginning of this month, I had racked my CCs up to 13.5K and my credit score took a beating down to 560, from 750.Billed ExpensesTotal: 1760:-:-:-Rent850Student Loans500Car283Insurance autorental127Living ExpensesTotal: 695Food350Gas150Utils125InternetHuluNetflix70Credit CardsCC 1: 9700, 18.65CC 2 2750, 29.99CC 3 1200, 20.24Paying: 253.00712.0035x200B;I used the Avalanche plan from undebt.it calculator to come to the numbers that I plan to pay, 1000 monthly. That leaves 750 to save each month while leaving 600 for life 29 years old and the upcoming holiday season. Expected payoff is Jan 2020, with 1896 in total interest payments and an effective interest rate of about 9.72.This summer was just a series of life lessons. It really doesnt help that one of my masters programs is finance, and I want to cry about the additional opportunity costs of missing out. This has all been humbling. Suggestions? Encouragement?  <response>: That leaves 750 to save each month You have credit card debt with 30 APR! Unless youre getting a good 401K match, saving money seems pointless until you get this debt paid off. 