<prompt> Human: to start i have 3 different credit cards 2 personal loans and a bill me later line of credit. I get paid bi-weekly usually 975 after taxes, benefits and my 401K contribution. I pay 255.00 a month in rent, 90.00 for my cell phone, 251.00 for my car 144.00 for insurance, 200.00 for gas, 300.00 for food and 300.00 for weed... Any advice would be greatly appreciated. The bill me later account has a current balance of 1,989.52 19.99Chase CC with a balance of 5,957.52 15.24Barclay Card with a balance of 1,818.43 22.99Citi Card with a balance of 972.43 0 for 18 monthsLending Club personal loan with a balance of 6,248 18.49 22.24 APRLoan 2 with a balance of 3,152 6.99  <response>: Do you get matching on your 401k contribution? If yes, contribute up to the match, and no more. If no, then stop your 401k contribution while you tackle this debt. Your rent is crazy, crazy low. There is no damn reason why you cant pay this debt off.Thing Amount :---:---Income 2112.5 Rent -255 Cell phone -90 Car -251 Insurance -144 Gas -200 Food -300 Discretionary income 872 Misc -300 Debt repayment 572 Even without cutting out weed, you have 572 to go towards debt. What are your minimum payments? I didnt see that in your budget. There are also other things that Im sure are missing, especially one-time things car registration, repairs, doctors visits, other. But, you know exactly where your money is, and where its going. You know where you can cut costs weed. Time to buck up and do what needs to be done to pay this off.PS: Any debt above 7 or so equates to debt slavery in my book. Anything above a reasonable rate of return you can expect on the stock market will slowly kill your budget unless you aggressively target it. This debt at 20 will ruin your life for the next decade unless you stop it or declare bankruptcy.Is your income likely to go up in the future? 