<prompt> Human: Debt - 30k 10 interest bank loan for my car to pay off over 5 years3k credit card 13 interest which doesnt have a time limit to pay off, but want to pay it off as soon as possible.6k for furniture no interest 60month credit card, About me- I Live in Australia I make 1500 a fortnight Living with my partner who makes 1000 a fortnight and we split household billsMy fortnightly bills including paying the minimum of above debts and everything to live eg, rent, food, fuel, health insurance, phone bill and internet is 1200. That leaves me with 300 a fortnight to use on fun things e.g alcohol, smokes, eating out and saving money.My partner has a small amount of money left over to share the fun things as well.Even though I have money left over I still feel like Im going backwards each fortnight. What can I do to get myself out of this rut? My bills feel like they are way to high for how much Im earning.  <response>: If you are actually serious about getting out of this rut, you need to: stop drinking, stop smoking, and stop eating out reduce any other expenses that can be reduced set aside 1000 for emergencies in a savings account and dont touch it put all the remaining savings from the above cutbacks into paying off your debtsStart from the credit card debt, then work your way down to the lower-interest-rate debts once the higher ones are fully paid off. 