<prompt> Human: Me feeling sorry for myself: I have no idea how this happened. Okay I do. I quit my job with no plan. I hated my line of work, I wanted something new. I was relying on another job that never worked out. I counted my eggs before they hatched. I was overseas, and had nothing to rely on but myself. And my pride didnt let me go back home. An extra drink here, an upgrade there. Money out, no money in. Worst of all, I accrued this in under a year. And towards the end I was actually working and staying afloat. I wasnt even that frivolous. Its not like I can look back and go hey, I enjoyed that year. Traveling or whatever. I didnt. I was broke the whole time. It was a shitty year, Im depressed, Im not happy with where I am, or any of the decisions Ive made that have brought me here. Im back to where I was a year ago, not knowing what to do myself, 26k credit card debt. In other words, Im an idiot.My current situation: I just accepted a job that I dont love, but the pay is decent. The job is not in Australia, but Ill calculate everything in AUD. Salary after tax 4,400 per month. Rent bills expenses if living SUPER FRUGALLY 2,600. Savings 1,800 If I work an extra job on the side freelance work, hours are flexible, Ill hate my life though I can make an extra 1,800 a month. I pretty much lose my weekends here. Total savings 3,600.Dilemma: Do I go the burnout method and go hard and pay everything off? Id have no life in the process, itll probably take me 7 months, knuckle down and pay everything off. Then potentially hate my life, be exhausted, possibly quit my job, and come back home with nothing to show for it. Or do I stretch it out, to a year. And actually pace myself, work on a long term plan of what I want to do with my career. Take a day off on weekends to live, or think, or relax. Use a few to not live broke and day to day, keep my sanity.Okay Ive answered my own question here. but Ill leave this up for reflection, or if anyone has any input. The way I see it, Id rather push for 6-7 months with a goal of freedom in mind, and spend the next 6 months taking it easy, without the burden of debt in the back of my mind. I dont know. Its a scary thought though, my life has felt on hold for a few years now. People pace themselves, I dont. I have a tendency to rush things and thats how I end up here.  <response>: Id stretch it out to a year so that you can have very small! rewards along the way, to reduce the possibility that you burn out, say fuck it, and go back to paying minimums. 