<prompt> Human: getting in over my head, rent and utilities are automatically deducted from my pay and are not an issue or adjustable so they will be left out. My take home pay is 1990 a month and these are my bills for every month. I am trying to feed a family of four on this budget and weve been using our credit cards to help supplement our income. I cannot earn overtime pay or get a second job and we havent found a daycare and job combination for my wife that would net us more than 20 a month after increased gasoline and lunch costs. Bill payment intrest Owed on debt:--- :---:---:--- Car 235 7.69 7,385 Car Insurance 141 Cells 171 TVPhoneWeb141 Student Loan199 6.8 17,344 Student Loan255 6.8 1.450 rent insurance10 creditcard1 90 16.65 5,800 creditcard2 62 22.9 2,200 creditcard3 25 24.24 1,500 cars gasoline 225  <response>: You gotta eliminate those credit card debts before they escalate even further. You shouldnt view credit cards as a way of supplementing your income. If you get into debt with that way of thinking, you are actually detracting from your income. 