<prompt> Human: I have updated this postThrowaway, because this is very personal, and only one family member is aware of my situation. I am a 31 year old, single male, working full-time as a software engineer, making a decent salary. I have amassed debt throughout college and graduate school, and was foolish in how I spentmanaged debt. To further deepen the debt, I was a compulsive gambler for almost a year, and took out payday loans, title loans, and screwed myself that way as well. I am currently seeking therapy for depression, and attend Gamblers Anonymous meetings weekly. I have not gambled in over 3 months.My credit is decent, but am taking hits on high revolving debt balanceshigh debt-to-credit utilization. I have never missed a paymentbeen late with a payment, but am starting to worry that this debt is not really getting paid down. I am somehow stopping the bleeding, but am not sure if this is sustainable long-term.Ive lurked on this subreddit for a while now, and was hoping for some helpadvice, as you guys seem to be pretty awesome at this. Please do not criticize my poor decisions. I would like to look ahead, and focus on the best decisions from here on out, given my financial situation. I am not looking for new loansdebt, and have not been able to qualify for any personal loans to consolidate. I am also not at 80 LTV on my home, so equity loancash-out refinance is not really an option for me.Another thing to note is that I am living paycheck-to-paycheck, with little savings, and very little in retirement. For now, Id like to focus on my monthly cash flowgetting out of debt. At this point, I think my best option is credit counseling, but wanted to see what you all thought. My parents are not able to support me financially as they are having their own financial problems at this time. I am very embarassed, and feel so foolish about my degenerate past, and have kept this to myself before speaking to my parents. They are suggesting Chapter 13. Also, I do not have very many possessions, out side of my bed, laptop which I need for workprojects, and cell phone, so anything of value, I have already sold.Here is the breakdown of my finances by month rounded up to the nearest 5, min payments only:Income Post-Tax: 5400 Supplemental Income Roommates: 900 Total Income: 6300Mortgage: 1560 3.75 includes Homeowners InsuranceTaxes Current value: 315,000, Loan Balance: 260,000 Water: 100 Electricity: 350 summertime, otherwise, around 150 Gas: 25 HOA: 75 Total Housing Expenses: 2,110 Fuel: 200 Food: 300 Cell Phone: 80 Gym: 50 Total Living Expenses: 630 Motorcycle Insurance: 110 Auto Insurance: 100 Total Insurance Expenses: 220 Motorcycle Loan: 190 0 Loan Balance: 9000, bike has some damage now, has a value of probably 7,000 Auto Title Loan: 345 10 120.3 APR Loan Balance: 3500 Payday Loan 1: 750 89.68 APR Loan Balance: 10000 Payday Loan 2: 120 204 APR Loan Balance: 750 Payday Loan 3: 300 390 APR Loan Balance: 830 Payday Loan 4: 550 30 Loan Balance: 1125 Credit Card 1: 75 16.99 Balance: 5600 Credit Card 2: 40 19.24 Balance: 2800 Credit Card 3: 370 21.99 Balance: 14800 Credit Card 4: 35 16.74 Balance: 950 Credit Card 5: 170 16.24 Balance: 6850 Credit Card 6: 171 21.99 Balance: 6200 Personal Loan 1: 280 17.99 Balance: 6300 Personal Loan 2: 320 14.27 Balance: 10100 Student Loan: 300 4 Balance: 51,200 Total Loan Expenses: 4016 ---Total Income: 6,300 Total Expenses: 6,966 One thing I should note is that for a while this will probably end next month, I was actually taking home 6000 post-tax, due to some on-call opportunities at work, which are ending soon. Ive also depending on some of these payday loanscash advances to cover expenses when I fell short :EDIT: Thank you guys for the objective non-judgemental feedback! Please keep them coming...  <response>: You make in one month what my husband makes in 3 months! Holy cow.Ok, first of all, the thing with where you are at, is that it is manageable.I have a more simplistic solution that worked for my family. I would do two things: First get rid of the gym its only temporary, but it will save you 50 a month.Second, is there anything you can sell right away, stuff you dont need, that can help you get rid of the 550 loan with the balance of 1,125? I had to sell a lot of my stuff when I found out I was pregnant and my cancer surviving husband was in debt paying off his cancer bills. Trust me, it is temporary!This total would free up your living expenses and bring it down to 6,366.Since you wont really be able to apply that to another bill until you are living under your means, the next bill to tackle would be the 300 loan with a balance of 830. Those two bills together, along with the gym, will bring you all the way down to 6,099. Then you will be able to tackle all the other ones. I know I am not going in order of highest interest first, but I think you should really get it below your monthly income first, so you can at least start saving the 50 you were spending at the gym. Freeing up those 300, you can easily pay off the 750 loan in two months. After that, you can easily pay off the 950 in no time. One by one, it will bring your expenses down until you only gave your mortgage. 