<prompt> Human: Everyday I see on reddit that people are in debt and unsure how to overcome it. I was the same way and have tried all the methods Ive seen and just kept getting further and further into debt. Now as an analyst for a government company, I see a lot of wasted money and have to figure out how to stop the bleeding for them, but never could do it for myself...My debts included not including student loans because I will die with those...12k auto loan 9.94, 22k in credit and store card 22-24.My credit score hung around 600 on a good day so I know many of you will understand the high interest rates.Ill put this in step by step form so if you want to try it out, it may make things a bit easier.1. Get you income amount after taxes the amount on your check, subtract all your expenses rentmortgage, insurance, food, gas, utilities, going out money, etc and overestimate that, never underestimate or you will be charging back to credit. Its best to break these expenses down weekly or bi-weekly, depending how youre paid.ALSO STOP BUYING USELESS SHIT.2. Take the remaining money after tax amount - left over money from expenses: ex. 500wk - 350 expenses 150 free money.3. Now get a breakdown of all your account balances and the interest rate for each account and put them into an excel spreadsheet column A put the account name, column B put the balance, column C put the interest rate, if you are not good with excel you can handwrite this all out and use a calculator.4. In column D you need to find the daily interest rate interest 365 you should get a number like 0.000627Picked daily compound interest as a way to normalize all numbers and make them more simple to calculate and rationalize.5. In column E you need to find the monthly interest you are getting charged first get the balance x the daily interest in step 4. second multiple that number by 31 ex. for 2200 23.7 you are paying 44.36 a month in interest.6. Once you have done this for all accounts, you will see what you are paying each month in interest, now take the highest number and pay your 150 free money to that card.7. Update your spreadsheet with the new balance and do this week after week. Pay ONLY the highest balance down. If you have another card due, pay the minimum and deduct that from your free money and pay the rest to the highest monthly interest card.I did this for 6 ish months now, and pay about 400week and have got down from over 32k to 16k. A did get a couple thousand back from taxes and that went right into it too. Also my credit score is now up to almost 700. So I plan to refinance my car at a much lower rate...Good luck and remember that you can overcome debt, took me 6 years to find a job where I had some extra cash but now I plan to be debt free by the end of 2018.TLDR; Had 32k in debt, paid all my extra money to accounts I paid the most interest every week, now down to 16k in less than a year.EDIT: Added the notation of daily compound interest to step 4.  <response>: Shameless plug to Dave Ramsey: Baby Step 1: 1,000 cash in a beginner emergency fund Baby Step 2: Use the debt snowball to pay off all your debt but the house Baby Step 3: A fully funded emergency fund of 3 to 6 months of expenses Baby Step 4: Invest 15 of your household income into retirement Baby Step 5: Start saving for college Baby Step 6: Pay off your home early Baby Step 7: Build wealth and give generously 