<prompt> Human: Hello rpersonalfinanceLet me preface this by saying Ive made a ton of mistakes financially and Im now paying for it. Im looking to lower my credit card debt in a relatively quick matter, but Im not sure how to go about it. I had a call center job last year that was paying 33kyr, and with that job I was able to buy myself a new car, get a condo, and foolishly take out 5 credit cards. I lost this job in December of last year and for the first 8 months of this year I have been unemployed, with no income. Needless to say, or maybe it is needed, I maxed out all of my credit cards, took out cash advances, fell behind on a lot of my cards, and royally screwed myself. After putting out what feels like thousands of applications, I finally got job as an Analyst for a big IT distributing company, making 42kyr With no degree, yet, might I add. Lucky! My Bi-weekly pay is 1,290 after taxes and benefits. Monthly income after tax: 2,580 My monthly expenses that I HAVE to pay are: Car payment: 310.56 Condo Maintenance I own it: 254.50 Electric: 100 Internet: 98.45 Groceries: 200 Car insurance Every 6 months, was just paid On sept 13th.: 1,078 Alright, here are my debts excluding my car. Newegg Comenity Bank: 2,099.17 Min: 375.00 APR: 25.99 Amazon Store Card Synchrony Bank: 857.82 Min: 176.00 Just Paid this, has not posted yet. APR 25.99 Tiger Direct CreditComenity Bank: 1077.79 Min: 0.00 paid for september, 40. APR 29.99 Capital One: 768.72 Limit 500 Min: 103.00 Paying 161.00 on 09252015 APR: 24.90 Capital One: 3,288.33 3,000 limit Min: 584.00 Paying 289.00 on 09252015 APR: 22.90 Chase Credit: 636.23 600 Limit. Min: 0.00 Paid 25 min payment for sept. APR: 22.99 Discover Credit: 2502.51 2500 limit Min: 65.00 APR: 15.99 on 1,422.73 APR: 24.99 on 1,179.42 Cash Advances. Wells Fargo Credit: 2,547.59 2500 limit Min: 76 47.59 overlimit 123.59 by oct 2 APR: 21.99 for 1,312.52 APR: 23.99 for 1,254.51 cash advances Note: Ive called Capital One and set up a payment plan to get me on track for both cards. Since Im 6 payments behind on the bigger debt. Ill be on track By Middle of October for both cardsPaid 150 - 289 - 160 I really need help on creating a payment plan to 1. get my credit to an acceptable revolving area to build my credit score back up to a decent score. Current FICO score is 504. 2. Build a savings in my bank account for emergencies, since I have zero dollars in my bank savings at the moment. 3. Leave myself with around 140 for two weeks 10day for day to day expenses. If anyone could help me with this, I would greatly appreciate it. Any questions I will answer as quick as possible.  <response>: Get a second job, find a roommate and get some rent income. 