<prompt> Human: Im not looking for sympathy or will I bore you with my sad story. This is the situation Im in now. Im now in my 30s and Im starting to lose any value in terms of dealing with life. I keep finding myself wanting to shut down. The lack of friends and family is one thing, Ive learned to be isolated and stay in my apartment a lot and have conversations with myself to keep myself sane but I cant help but find myself not understanding the point of living. My apartment feels like a Jail Cell. I work to live and I have nothing to show for it but an apartment in a bad neighborhood, never once been on vacation.nbsp;Note: Ive managed to pay my credit cards so my credit score is around 690 - 710. If anything happens to me though Im one step away from being homeless. nbsp;Note: I always try to pay more than the minimum because I have to use my credit cards again to pay for groceries and general cost of living. I try to keep things minimum, but its like a yo-yo affect. My Debt: - Visa APR - 9.99 Total Credit: 18k Current Balance owe: 16,044 - Mastercard APR 6.74 Total Credit: 7k Current Balance owe: 6,059 - Chase Card APR 13.74 Total Credit 4k Current Balance I owe: 2,199 - Car Loan: 20k - Rent 1025.00 Monthlynbsp;My Income:Takehome Bi-Weekly: 1,483.98nbsp;My strategy to divide and pay every paycheckthis is what Ive been doing: - 670 transferred to my savings account x2 This Covers the 1025 for rent and 310 for car payment - 250 Transfer to Visa Master Card Each paycheck - 50 to 60 transfer to ChaseMisc Charges:- 40 Electricity Gas- 50 Internet- 45 PhoneHonestly, any help right now would be nice. I dont know if I should stop paying my debt and fuck up my credit or what but my life isnt great and the quality of my life is terrible. If I mess up my credit though Im ruining my life for a longtime especially since I cant afford anything and rely on the score. Assistant: You have about 25k in high interest debt and a 35k takehome pay. It wont take more than 2 years to pay that down if you are frugal and focus on paying it off. Being frugal is no excuse to stay in your apartment though. There are literally millions of free things you can do that involve meeting other people and being an actively engaged member of society. Some of them might even get you laid! Maybe volunteer a couple of hours a week at the library or walk dogs at the shelter or take up power walking or go fly a damn kite at the park. It sounds like you are in a rut. You dont get out of your rut by doing nothing. Just pick one simple thing and go do it for one day. If you like it, keep doing it. If not, go do something else. Hit up Meetup and see whats going down in your area. Human: Im working on it man, its just sometimes my self-worth creeps in and ruins my attitude and day and reminds me Im a piece of shit. Im single too. I caught my gf cheating on me not too long ago and dating in my 30s have been challenging. Im a good looking guy, but I feel so out of touch with everything and everyone. Also dating costs even if its not a fancy dinner and it adds up for me. Sorry I know it sounds all depressing, but Im not looking for sympathy just trying to figure out how to get out of all of this. I feel like its all hitting me so fast.I think once I feel more mentally prepared Ill be joining meetup groups. No body likes a downer though so I have to wait until I can feel a bit more happy and productive.  <response>: Trust me. Having been in your shoes a few years ago, getting out and doing things WILL make you feel better, and then your financial issues will be a breeze to get in order. Dont wait til later to make yourself feel good about life, start it today.Go out and get some exercise to release dopamine which will make you feel good. Volunteer at a soup kitchen to see how people who have nothing still make the best of things. Go to an animal shelter and play with some pups or kitties. Find a part time job on the weekends to eat up some free time and earn some extra cash.You have a firm grasp on your financial situation, you are gainfully employed, and you are diligently working towards paying off your debt. AND, on top of that, youre a good looking guy allegedly. You are bounds ahead of most people who have no idea how they stand financially.You have a lot of good things going for you. 