<prompt> Human: Hello rpersonalfinance. I am a recently divorced guy in his 30s that is absolutely sick and tired of being stuck in the rut of overwhelming debt that I seem to be caught in. My ex was not a very responsible spender, and I was the only source of income while she sat at home doing nothing, and it never seemed to be enough. Pair that with several other life factors, and I find myself in a cycle of debt that I cannot seem to escape. I am getting a fairly sizable bonus from my employment at the end of January, and my plan is to use that money to start digging myself out of the hole Im in, but Im not entirely sure where to start. I will start with a detailed summary of the debt:Credit Cards - I have a total of 4 that are carrying balances, two of them quite large:1 - 10,900 balance. I am most concerned about this card, because there are several balance transfers that I used to shift some debt around to lower interest rates as Ive slowly paid down this card. Once these rates expire, the interest will be absurd. Original transfer amounts and expiration dates are as follows:- 6,025 3 interest expiring on 62317- 1850 3 interest expiring on 72317- 2700 5.99 interest expiring on 22318- 637 7.99 interest expiring on 123182 - 4,700 balance. This card is locked in at a permanent 6 interest rate, so my thought was to pay this down first so that I can transfer some from the larger card as those balance transfer promos expire3 - 1,030 balance with 0 interest until Dec 20174 - 2,400 balance- 1,200 with 0 interest until Dec 2017- 1,200 with 0 interest until June 2019Student Loans - 33,000, with a minimum monthly payment of 320. There are two consolidated loans, one with 12,000 and one with 21,000, and the consolidated interest rate is 6 from when I consolidated the loans a decade ago. I deferred the loans for several years due to financial difficulties, so interest accumulated... Im finally paying into principle, but the payoff date will not be until 2029 if paying the minimum throughout.Now that that ugliness is out of the way, here are other relevant details.Take-home pay in 2017 will be approximately 3950 per month. I may move positions or companies at some point this year, which could increase that numbers, but no guarantees of that.My monthly fixed expenses are as follows:- 1165 apartment rent and water- 100 cellphone- 30 gym membership- 400 car payment- 160 car insurance- 400 child support- 320 student loanMy variable expenses are as follows. Estimates below:- Electricity - 80 - 120 per month- Gasoline Approx 120 per month- Groceries and toiletries I try to go cheap here, but around 300 - 400 a monthBreaking it out like that, That leaves me with approximately 700 remaining, which is being sunk into credit cards... then Im short on other things, such as if I want to take my girlfriend out or get some new clothes, so back on the credit card it goes. I need this cycle to stop and need a plan that will get me out of debt within my current means. I dont really care how long it takes, as long as Im making progress toward financial maturity and can start accumulating some savings beyond just my 401K and company equity. Not having an emergency fund has bit me in the ass in the past, and I want to change that.So where do I start? I estimate that I will have between 6 7K to devote to paying off debt at the end of this month. I know that isnt much compared to the amount of debt I currently have, but its a start right? My biggest concern is the card with the large balance that has expiring promo rates, so Im all ears as to how to best attack this debt to lessen my risk and expedite paying it off.EDIT: I really appreciate all the responses and advice. If I came across as entitled in any of my post or comments, I apologize and thats not who I am. Im reaching out because I KNOW my ability to manage money has not been good up to now. Im willing to sacrifice. I should be able to cut out a lot of the cellphone very soon when my contract is up in April. The dates and clothes are gone... my girlfriend is very understanding about not spending money I dont have, its usually been me feeling bad and wanting to take her somewhere. As for the car, I will see what I can do. A quick check shows theres about a 3000 gap between my lease buyout and my cars market value right now, so I think I may be stuck unfortunately. I have learned my lesson. Getting a roommate is really non-negotiable for me right now. I understand where everyone is coming from and realize the benefits, but I just cant. This goes beyond just a personal preference. When my lease is up, I may downsize... unfortunately, apartments are expensive near my workplace.  <response>: I feel where youre coming from, but Im also seeing a lot of resistance to change, and while you readily blame your wife at the beginning of your post, your responses show that the blame doesnt really lie with her. You cannot put a single more dollar on your credit cards. If you have a safety deposit box, put them in there, and delete them from Amazon and other shopping websites. Stop using them. Or, cut them up. If you want new clothes, then too bad. You dont reward your debt hole with new clothes. You live with what you have, or you set a hard limit of 20 a month and shop at Goodwill and other thrift stores. For dates, if your girlfriend loves you, shell understand your budgeting towards being debt-free. She doesnt want to marry someone that owes 50,000 in high-interest debt. If she doesnt, then decide if being in debt is worth that girlfriend, because then shes making you choose. You cant want to be debt free and also want to go on dates and buy new clothes all the time equally. Clearly you dont want to be debt-free, because you keep adding to it with what you consider priorities over removing your debt.Get a smaller apartment, or a roommate. Its really that easy. People get roommates with children all the time. Just put it in your ad, to find someone okay with it. With your car, how long until the lease is up? What car is it, year, make, model, and trim? How much would Carmax give you for it today? How much are similar cars selling for on cars.com and Autotrader? Whats your lease buyout? 