<prompt> Human: So I will now be making 82,500 per year plus an additional guaranteed 10 bringing me to 90K. My current monthly expenses are as follows 968 rent NYC : 78 iphone 125 student loan this has a 18,000 balance 46 student loan this is a 3000 balance 100 credit card 1 2300 balance 100 credit card 2 2000 balance 115 unlimited metro card transportation 100 utilities 60 misc memeberships gym netflix 100-200 paid to my mother for a loan given after I lost my job. I currently spend 1200 on all food and leisure monthly Edit: just to clarify this also includes all misc expenses and is essentially the money in my wallet all month...it could be paired down slightly by removing some date nights or something thoughSo total spent is roughly monthly is 2900I expect my new monthly income to be 4378 after taxes not including bonuses. Any suggestion on how to approach the debt situation? I really want to take this opportunity and become debt free, student loans aside I have a fixed payment plan over 10 years asap.  <response>: Pay off the CCs, repay your mother, pay off student loans start with highest interest rate first.You could certainly afford to spend less than 1200 on food and booze if you want to go after the debt more aggressively. 