<prompt> Human: Ive been browsing this sub for a few days now trying to look up similar posts, but cant find anything really concrete.I have approx 18k in debt on a single card at 16.99 APR. Ive been making only the minimum payments for most of this year, while throwing any bonus I get at work at it. Lately Ive been feeling a bit crushed by the interest and was wondering if there were maybe some other options out there?Ive been seeing that some people have had success by transferring to a card with a promotional 0 APR but Im not sure this is the best idea. This year Ive been lurking this sub and have made some changes my lifestyle so that I can comfortably pay off bills while still contributing a very small amount of money into an emergency savings account. I could afford to put a little bit more per month to the CC debt, but even then I feel it wont be enough and this is a bit discouraging, even though I know this isnt the case.Should I just up my monthly payments and stick it out, or be looking at something else? Ive also considered doing gig economy stuff on the weekends and just putting all that I make towards my CC debt.Why Im in debt: I lived outside of my means when I got my first job making decent money is the short of it. Eating out all the time, going on trips I couldnt afford to pay off at the end of the month, making some foolish large purchases I didnt need. Ive cut nearly all of that off outside of picking up the occasional video game. Going out to eat is now a once a month thing, if that, Ive killed my craft beer hobby, and have sold off some frivolous things that I didnt need. I feel like Im getting there...EDIT: Id also like to note that I currently dont use credit for anything and havent for nearly a year now.  <response>: As long as you have addressed what put you 18k in debt in the first place, then transferring some or all of that into 0 card can only save you money. 