<prompt> Human: Hello all and thank you for taking the time to read this and possibly give your two cents. I am on mobile so please forgive formatting.Theres no other way to say it - I am AWFUL in regards to money and budgeting. My main issue is my complete lack of self control with credit. I got my first card at 18 and it was like a drug. I maxed it out like it was money I had. I am extremely fortunate to have a father who had the ability to pay the card off for me. Did I learn my lesson? Of course not.Once the card was paid off, my credit score skyrocketed and I started receiving mail for new cards. Temptation won, and so I went again down the hole.Today, I am 22, a full-time student and working part-time. I have a total of 6 credit cards, and a few no interest financing deals through Samsung and Affirm. Total credit debt: 16,000. Ive been avoiding coming to terms with this for a long time.In addition to my cards, my monthly bills include my car lease - 261, insurance - 285, rent - 600, and a fixed personal loan - 110. My net monthly income ranges from 2,550-2,850 depending on how many hours I work.I am ready to pay these debts off once and for all and close the accounts down for good. I am tired of paying the minimum on everything and not making any progress. I have tried to take out a debt consolidation loan but due to my high revolving debt, I cannot get approved. In your opinion, what is the best plan of action for me?  <response>: Start spending a fraction of what you are spending 