<prompt> Human: Hi all,I need some help thinking through how to turn around my debt situation. First off, I realize my situation is a very long set of POOR DECISIONS. Please hold moral brow-beatings, that was dumb comments, and you should have done this beforehand - I know! I used to be debt-free minus student loans, had lots in savings, and enjoyed relative financial security. That all changed when I bought my house though. Not only did I take on the huge debt of the house payment, but I also spent a lot on credit cards to keep cash in the bank. I bought the house 6 months ago. My plan was to rent out to my girlfriend and her friends, however that fell through. I then had a nightmare renter, who I evicted. So its just me in this 3 bedroom house, with lots of debt.I was about to turn things around, and then Murphys Law came into play. My 18 year old HVAC system kicked the bucket, and Im left with no heat in January. I had no choice but to get a new system, which was a whopping 6,100! My emergency fund was only at 1,000. I called family to borrow money, but no one had that much available. So I was left with the unfortunate decision to take out yet more debt.I have a plan to move forward, I would love to get your feedback.My current situation includes: Income - 3700 a month after taxes House payment - 850 a month Utilities - 100 a month HOA fees - 55 a month Car payment - 455 a month, 5k upside down on car equity Student loans - 240 a month Credit cards - 6k with 12 mo 0 interest 500 a month? NEW DEBT - HVAC system - 6,100 with 24 mo 0 interest 256 a month Gym - 60 a month easy to cut Cable - 124 a month easy to cut Balance 1,061 a month for food, gas, and other living expensesPros: Good income Part time job just started, additional 1500 per month havent got paid yet Good credit score - 750 House for rent Not spending more than I make yetCons: Lots of debt Small emergency fund - 1000THE PLAN: Rent out my house. Market rate is 1400-1500. Assuming 1300 conservatively. I plan on using a property management company. I got burned by my last eviction - Id rather not deal with that again. Move in with friendAssuming I get 1300 per month, pay property management 130, and pay mortgage of 850, that gives me an extra 320 a month towards rent. He might charge 600, reducing my living cost from 850 a month to 280. Cut gym and cable expensesThe YMCA is basically a country club. The indoor track is great because Im a runner, but 60 a month is a lot to pay for that. Planet Fitness has everything I need. Also, Comcast can suck it. I bought it to watch sports, but football is basically over now. Continue working part time for additional moneyI just started a part time programming job. Ive got a great client that will provide 10 hours a week. They have a solid business so Im not worried about risk there. After taxes I should be making about 1500 a month. Pay off credit card debt firstI think all of my money needs to go to the credit cards. Its an old, tiresome debt. They also have the shortest time before interest starts again. Pay off HVAC debtThe second largest card debt. At least there is 24 months to pay. Pay down car loan to break-even and sell. Replace with cheaper carI love this car 2013 Honda Accord coupe V6. Unfortunately I no longer love the payments. Its been the stereotypical sports car impulse buy. Emotionally fulfilling, financially terrible. I plan on replacing it with a Ford Focus.Any thoughts?  <response>: Dont sell the car, its cheap and you have already lost money on it. Better option would be to drive it for 10 years.Also renting is not a good idea because of all the things that can go wrong. What if something breaks, what if they trash the place, cook meth. It is risky dont fool yourself into thinking there are no downsides and your house cant get destroyed. I would rather get a roommate and you still live there so you can keep an eye out 