<prompt> Human: So I have debt involving multiple credit cards, 2 loans, 2 student loans, and a car lease. I would like to do the snowball effect method for paying it all off but having trouble getting started. I am 29 and make about 15.40 an hour, working 40 hrs a week and I contribute to a 401k. My rent is 975month but I split it half with my fiance. We have 2 young kids and a dog for other shared expenses. My current auto lease is up in October this year and I plan on leasing again at that time.I am pretty much completely broke each paycheck just trying to pay the Bills for these. Should I skip payments or make smaller payments on the large stuff so I can pay off the smaller debts first?Here is a list of my debts.22k student loan only about a year or so old2500 student loan getting close to 10 years old3000 credit card with around 20 interest Another 3000 credit card with around 20 interest 6200 consolidation loan with 11.16 interest 1800 credit card debt for kay jewelers 400 credit card balance for tires250 car loanPlease forgive me if I posted in the wrong place. Just need some help.Edit: I would also like to add, I have about 1000 worth of savings bonds that my grandparents would buy every Christmas as a kid. I plan on putting this towards my next car as a down payment. Does that sound like the best choice for it? Since I have to get a car when my lease is up this fall  <response>: My current auto lease is up in October this year and I plan on leasing again at that time. NO NO NO 