<prompt> Human: As the title says, me and my girlfriend bought our first house this past year and along with it a new car. I finally decided to go into real estate after years of thinking about it and ended up selling one house in the past 9 months for a total commission of 2725.50 after taxes. My girlfriend makes 39,000 annually or bi-weekly pay of roughly 1000.00. Ive recently started taxiing 5-6 nights a week to come up with an extra 1200-1300 bi-weekly. We also rent out the main floor apartment of our home for 1100 a month and our tenants pay for their own utilities.Im looking for advice on how to reduce my debt as quickly as possible. Below, Ive listed our debts and their interest rates.1. Credit card 1 16,138.14 at 19.992. Credit card 2 12,500.00 at 19.993. Credit card 3 1,500.00 at 12.504. Line of credit 5,869.98 at 4.005. Property tax. 1,700.00 at 1.006. Parents. 3200.00 no interest7 friends. 260.00 no interestI know I dont owe any interest on money owed to friends, but Im paying back my friends first since a. It was never meant to be a long term loan and b. I hate owing money to my friends. My parents are doing well financially and I can pay the 3200 last.Our monthly income works out to be 5650.00 and our monthly expenses equal 4550.00 most months. Ill be earning lump sum commissions from real estate once in a while, most likely in the 2500-4000 range, but I cant guarantee how often or how many Ill earn this year. Our expenses include our mortgage payment, car payment, insurance, our credit card minimum payments, our phone and internet bills, heat and light, groceries, gas, monthly dues to my real estate company and 200 fun money. Essentially what were doing now is using the snow ball method and reducing our smallest debts first and whatever commission I earn in the future will be put on credit card 1 until its down to 0. Is this what we should be doing? Would it make sense for us to consolidate our debt? Any advice would help!  <response>: Is your credit score decent?If so, can you open a new credit card that offers 0 on balance transfers and pay down some of that debt with no interest? 