<prompt> Human: I am a single 33 year old accountant working for the government. I have three credit cards whose total balance is around 17k. My credit score is around 780-800.My problem is that my CC balances are increasing by about 1,000 a month. I pay about 200-300 in interest monthly on top of principal payments. My monthly budget looks like this.After tax salary: 3,660House and Car note: 1,463Total Bills: 700That leaves around 1,500 for food, gas, entertainment and other things. I typically pay much more than the required minimum credit card payments. I have nothing in savings, no six month emergency fund except for my e-trade account.I am at the point where I break even on my income and spending each month, so my credit card bills keep increasing. I have about 6,300 in an e-trade portfolio, about 30k in equity in my 180k home still paying PMI, and have paid off about half of my 14k truck note. I am curious if anyone has any advice for me on possible debt consolidation. I know I should probably cut spending, and I am working on that, but I dont think that will be enough to climb out of the hole.I have been told I could take out a home equity loan for a fairly low rate. However, I am not sure I want to go through the process of obtaining a home equity loan as it is time consuming and costly. Are personal loans a good option? If so, should I take out around 20k and just pay off the loans, or should I go ahead and take out around 30k and pay off my truck as well?I also have a very solid pension that I am contributing the max to. I can go elsewhere and make a lot more money, however, my pension does not vest until January. I just need some advice to stop the bleeding!Thank you all!  <response>: You have 1,500month surplus but your credit card debt is still growing?... What? 