<prompt> Human: Throwaway because I am embarrassed...Basically Ive been using my credit card as just extra money to spend on gas and groceries and its started to add up and Im looking for some help here.My current credit card balance is -12,772.71 19.99. 2 cards combinedI have a monthly budget, but I cant seem to tweak it enough to pay down much more than the minimums due to other bills. Here is whats Im working with... 2846.40 Income - 472.38 Student Loan Payment - 353.50 Car Payment - 250.00 RRSP Contribution - 250.00 TFSA Contribution - 95.00 Cell Phone - 100.00 Power Bill -- Comes out 4xyear so I just pay this monthly and I end up with credit on my account once the bill posts. - 80.00 Internet - 95.00 Auto Insurance - 100.00 Gas - 200.00 Groceries - 200.00 Rainy Day Fund -- Usually end up using this every month to cover groceries. - 200.00 Day To Day Cash -- Usually gets eaten up by just random spending. - 300.00 Credit Cards --This barely covers minimum payments. About 170 75 on two different cards 150 left over that just seems to disappear.If anyone could look this over and give me some advice on what to do here it would be great. Winter is coming and when I did my budget I didnt factor in the cost of heating oil. Its about 900tank here and I went through 3 tanks last year. Above does not include rent because I am in the military and it comes off my pay before I even get it military housing.Thank you for reading.  <response>: You really have to figure out where the random spending and rainy day fund money goes to... Is it for laundry? beer money? parking tickets? vending machine snacks? charity? video games? tim hortons? Keep a very detailed log of where every penny goes, so that next month you know exactly what you can cut back on. Also, since your rainy day fund gets eaten up by groceries, either be realistic about how much you spend, and adjust your groceries budget accordingly, or start buying cheaper stuff...At least you dont have any rent to pay... phew!Also, can you lower your RRSP TFSA contributions I assume this is retirement, Im in the US so Im not so sure about how it works up north. It makes more sense to contribute to your credit card debt than to your retirement at this point. In other news, stop using your credit card altogether. Go straight to debit until you are 100 debt free. 