<prompt> Human: Okay so my monthly income is about 1,800. In bills I pay about 1,200 but buy food and diapers between me and s.o. I have some credit cards out that have been late for 4 months now and keep calling my phone and flooding my voice mail. I dont want to file for bankruptcy and I dont want to lose our house. Is there anything I can start doing to pay off all my debts. I need help.Total debt is about 2,400  <response>: Without specific information on the debt and the interest rate, it is hard to give advice. I can give some general advice, however. 1. Make a budget. Tracking expenses is important and puts you on the right track to cutting expenses. 2. Cut out the unnecessary expenses. 3. Pay down high interest debt first. The highest APR gets paid first and the lowest APR last. 4. Pay necessary living expenses food utilities mortgagecar credit cards. The exact order might vary depending on how important your car is to keeping your job. 5. Increase income. Your SO might need a job if she does not have one. You might need a second part-time job to supplement income. Simply put, you need to track expenses and reduce expenses, or you need to track expenses and increase income. Or a little bit of each. 