<prompt> Human: Im 23 with a 73k salary. I live alone so I pay all the utility bills, have 32k in student loans and leased a new car last year. My only savings is that Im contributing 7 to my Roth 401k to meet the company match. I do not have any capacity to contribute to emergency funds or IRA.During college I lived the paycheck to paycheck life. It was tough but I was looking forward to no longer having to go through it once I got my career job right out of college... Unfortunately for dumb reasons including shopping, dating someone and trying to live up to their more expensive lifestyle, as well as an emergency international trip to visit a sick family member caused me to rack up a lot of credit card debt:- Card 1: 3500 Bank of America - Card 2: 5000 Chase Sapphire - Card 3: 1700 American Eagle Right now all I can do is pay either the minimum or a little more each month on these three. But its a never ending cycle. I feel like Im not making a dent on the balance, yet having to pay towards them isnt allowing me to save up any money at all. What are my options here? I dont know what to do and feel like its a never ending cycle. Edit:What my budget looks like: I track my monthly expenses through Mint. I dont see much room for change. Im stuck with what I have for the most part. The Credit Card payment and interest each month is killing me- Income: 3155 - Credit Card Payments: 400- Interest Charge from Credit Cards: 200- Apartment: 1040 Cheap for my area. I used to live in a more expensive apartment but moved to a smaller one to save. Ends in July- Student Loans 285412 Once every 4 months an additional 127 for a loan that has quarterly payments. On track to pay my student loans in 7 years - my company makes additional payments on them which will cover 3 years.- Car Lease 359 I made a mistake here and took poor advice from parents by renting a new car right out of college. Have 2 more years on the lease- Auto Insurance: 200 I live in MA...- Utilities: 170. This includes Electricity, Gas, Water, Renters Insurance and Internet. I already dont pay for any television services, lowered my internet bill just by calling and asking for an additional year at the promotional rate, and dont consume much.. I even unplug my microwave when not in use.- Gas: 100 Has gone down from 150, I travel more in the summer- Parking: 48 Use train for work when I have to travel. Paid w pre-tax dollars since its a work expense - Train tickets 200 21 each day. Have to travel for work 2-3 a week- Food: 250. Includes food at work, groceries, restaurants, and going out on weekends- Personal Expenses: 150 Depending on the month. Ive brought this one down considerably from the past when I was spending around 400 for this category on clothes, shopping and random trips  <response>: Your credit card is not putting you under, your lifestyle is. You need more income to support this lifestyle. 