<prompt> Human: Hi PF!Years of irresponsible life choices and very poor financial decisions has led me to, well, this mess:Item monthlyAmountNotes:-:-:-Rent1350Lease over end of July. Already lowmid price range for area.Car1271Lease with 38 months remainingCell130No contract but 81 left to pay off phone. Monthly payment will go down 27 once paid.CC125balancelimit 192 500 only in my nameNat. Gas50Super cheap during warm months as its for heat and cooking. Avg 45 over May-Nov. Avg 175 Dec-AprCC2802740 2700 only in my nameElectric125Fluctuates so much. 325 in Jan. due to space heaters needed because poor design of house we have 3yo and 11mo old. Averages 125 still during warm months from AC limiting that this yearCC3251445 1500 only in my nameStudent Loan24927,297 balance. Already used allowed forbearance.CC4251656 1700 in mine and wifes nameInternet45Only ISP available cheapest high-speed internet option work from home occasionallyCar2540Lease with 22 months remainingCC523011,485 13,000 in wifes name onlyiCloud Storage3I know 3 is 3 but this is just super convenient for not having to backup my wifes phone every weekCC625486 500 only in my nameCC71554735 4700Trash Removal28As cheap as it gets for bi-weekly pickup. We tried monthly pickup at first but we were going to be charged for overflow itemsCar Insurance123I just recently got this down from 160. I plan to shop around but not sure I can get it any cheaper for two new vehicles.Groceries600150wk sometimes less sometime more cracking down on mid-week trips and wasteGas120Total4200Income 2097 bi-weekly4194Net-6uh ohCurrent checking account balance: 18Current savings account balance: 5No 401k or other funds.So I know there isnt going to be a magic button here. Im just looking for advice, other than yea dude you are pretty stupid for putting yourself in this position.I have applied for countless jobs and had a few interviews with different companies but for the last few months everything has been were waiting for things to line up to bring you on board. Ive spent these last few months with a sense of well Ill be making significantly more soon and things will be betterId love to be one of the many I make 200kyr, 75k in savings, 100k trust fund posts, but alas, that must be my alternate universe doppelgänger.Ill take criticism for sure. If anything, this can be a post to make you laugh at the expense of another poor-choice ridden individual. Im here with my heart on my sleeve and my balls are in your hand I mean court.Thanks PF. Edits for clarity:4 person household: Myself, Wife, 3yo, 1yoI am the only income source as of right nowAssistant: Maybe Ive missed something, but do you not spend money on entertainment or things outside of your rent, cars, groceries and utilities? Or is this captured in your credit card debt? I would have thought the easiest place to start cutting expenses is in those discretionary categories but you dont seem to have any?Human: This is about 60 of the reason for the absurd cc debt. About 20 is from work expenses that did not get approved for reimbursement. The rest is just large purchases that I didnt have cash on hand for.  <response>: Ah I see, in that case I would totally recommend categorising the items within the credit card debts or at least the large ones so you can see what to cut. Knowledge is powerful : 