<prompt> Human: Hey guys, I will be 31 next month. At the risk of sounding like a loser, I am coming here for advice because I really want to change. I am making 17 dollars an hour right now working full time. I want to be debt free at least when it comes to credit card debt. My bills are overwhelming me so I am wondering what I can do.I have six credit cards roughly 12 thousand dollars between all of them. On top of this I have my regular bills which are my cell phone, rent, paying for my dads truck, food, gas dish, internet, dog food. Since I pay for all the familys phone bills Verizon bill amounts to roughly 330 per month and cable adds 100 dollars roughly with internet 60 dollars. I hardly eat out, hardly go out, etc. In essence I make 1800 after taxes and I am pretty much left with nothing at the end of the month. I am begging for help because I feel like a loser and I want to start a new chapter in my life and move out in the next 3 to 4 months. How can I accomplish this plan?Thank you guys.  <response>: What do you do for work right now? What kind of work is your full time work? What are your hours? Why are you paying all your families phone bills? Why are you paying for your dads truck? Edit - Understandable on this, but have you paid back the 5k that is yours yet or are you still paying the full loan of the truck? You need to break down what you spend money on in a more detailed fashion to figure out where you can cut back on some costs, until then the only thing anyone can do is offer you some basic advice.Increase your income, whether it means finding a new job where you make more, or adding a second job, you need to increase your income. Hyper work mode, get 1 or 2 part time jobs at night and on weekends until you get yourself set with all debt paid off and a nest of cash in case of emergency when you move out, as well as to be able to put down first, last and security wherever you do move out to live.You need to cut your costs by trimming back wherever you can.Cut cable. Cut home internet since you have a cell phone. Have your family members pay for their own cell phones. Have your dad pay for his truck. Food is an incredibly high cost area for people, and most dont think about how small amounts really add up. Dont buy soda, juice, or water in individual serving sizes at conv stores or gas stations or coffee from Starbucks, or Dunks, or Tim Hortons etc. Cook your own food, real food, shop at farmers markets instead of the grocery store and prepared foods. Dont go grab a sub or whatever for lunch, bring your lunch to work with leftovers from dinner the night before, same with dinner for your part time night job. Make your own coffee and take it with you in a thermos.In general though, you arent going to move out in the next 3-4 months, you need around 8-0 months just to pay off your debt at current income levels, and that assumes you spend 0 on anything else which isnt realistic.In terms of credit cards, this is the best plan for you in my opinion. Pick the 2 credit cards you have had the longest, and cut up all the others. Pay for nothing with any credit card, pay cash only for everything from here on out. If you dont have it, then dont spend it. Pay the minimum on every card every month, and put every extra cent you have onto the card with the highest rate until paid off, then move to the next highest interest rate, etc. 