<prompt> Human: Current situation:29 year old male, currently make 55,000 a year. I am getting promoted a week from Monday and will be making 71,000. At 55k, I bring in on average 2 paychecks a month for about 1430-1500 after taxes. So, about 2900 a month. Debts Monthly Payment:RentUtilities - 700 Car payment - 405 about 12,000 left, 2011 Dodge Durango w75,000 miles Car Insurance - 105 Phone - 80-100 Student Loan Payments - 333 about 18,000 outstanding Credit Card Payments: As much as I have left, but usually about 200 per card 2 cards Credit Card Debt 1: 7800 16.99 Credit Card Debt 2: 2000 12 Gas: 200mo Food: 200mo Gym: 35mo 400 a month left over goes towards paying more off on credit cards or unanticipated expenses. The credit card debts have been around for a couple of years and have basically been a rotating door - once Ive made progress, some unexpected expense comes around and erases it new tires, medical expenses, etc.. My plan is this: Once the new salary kicks in, Ill be putting all extra income towards paying off the smallest credit card first, which I should be able to do over the next couple of months. Once that is fully paid down, I will focus on putting all my payments towards paying the 2nd credit card off. Any suggestions, ideas, feedback, questions, etc...? EDIT: Some people have suggested taking out a lower interest loan to try and zap out the credit card debts and potential more all at once and make payments to one place. Any one have any advice on that process? Do I just walk into a bank, lay it out as Ive done above and say Give me a loan, pretty please? Or are there reputable banksother businesses that would a better option?Ive received some offers in the mail - but something about getting a HEY YOURE A PRE-APPROVED FOR A SWEET LOAN letter makes me feel like its just another trap...  <response>: Congrats on the raise. The plan looks solid to me, my only question would be can you transfer the CC balances to a no interest card? Your payments would really take a bite out of them then. 