<prompt> Human: I am a 28 almost 29 year old web developer. I bring home about 4000 a month after taxes but it doesnt feel like it because of all of the debt I have accumulated over the years. I try to save and budget but cant ever get ahead. Should I just file for bankruptcy? Move back in with my crazy family? I have a 10,000 debt consolidation loan, 1300 in credit cards, 1200 in Affirm loans, an 11,000 car loan, plus 38,000 in student loans. I only have about 400 in savings.I live in fear everyday that Im going to be fired and everything will come crumbling down around me--that I dont have the nest egg saved for a catastrophe like that.I cant cant control myself from putting money on my credit card, although Im afraid to close the account because its the longest standing account Ive had open and Im afraid it will negatively impact my credit score. I really want to buy a house but am afraid I never will be able to if I ruin my credit score.I bought a gun case with a key and put all of my cards in the case and gave the case to my partner to hide he also has the keys. But I have the cards set up with a bunch of online services amazon, etsy, paypal, etc And I just buy lavish gifts for myself online.I have an image of the credit card saved too and end up using it to pay for things when I dont need the card physically. My partner doesnt know that Im still using the cards even though they are locked in the case. We arent financially unified so this doesnt necessarily hurt him in a direct way but its dishonest and makes me feel terrible.How do I pull myself out of this grave Ive dug myself into?!  <response>: Heres a trick: Start buying yourself a debt-free life. Basically, put all your debt on a spreadsheet or any budget software. Then pay your usual monthly bills and see how much you have left. Then look at your debt and pick one of these to buy some freedom. Make a game of it. 1,300 in CC? Put down 400 to make it an easy 900!. Let it never go higher than 1k ever again. Then the next month, do it again and its now under 500! Then when its paid off, never go back higher than 200 ever again and pay it off like its just another monthly payment that has to be paid. Onwards to your next debt, the car loan. Look at how much youre paying a month and see if you can double it! Buy 1, 2, 3, 4 months of payments as backup, then your car is now only 6k left to go! What can you cut from your monthly must-pay bills? Spending 500 on food? What if you can live on 300? Then 200 extra a month to buy some freedoms!TLDR: you need to get excited about paying off your debts like a Lannister. 