<prompt> Human: Recently I sat down and wrote down all of my debts and realized I was not as bad off as I thought I was. Roughly 11,000 in debt. I want to start paying them off but I dont know which option would be better, making small payments on all of them or saving up twords one and paying it completely off and repeating. I already work two jobs about 55 hours a week so getting another source of income through a job to pay off more wouldnt be possible for me.  <response>: If youre only making 400 working 55 hours a week, you need to find other employment. Thats the only way youre going to make a sizable dent in the debt. That would likely be why youre in debt in the first place. 