<prompt>  Human: Monthly income pre tax ranges from 2800 to 3300 on average. Take home is typically 2k to 2400.Contributing 5 to 401k with 4 employer match.About 6k in credit card debt. 2k of that debt is on a 0 card for 2 more months.Rent is 600mo.Carinsurance Is 685mo huge issueCar is leased. I know 7 months left on lease. Car payment is 385, insurance is around 300.Utilities are around 280.Food is around 350.Animal expenses are around 50.My current plan is to pay out the lease early and turn in the vehicle. Initial cost of that is 2600, however I would be saving 300 for the next 7 months on insurance, clearing up 2100 over that time.I have a company vehicle that I can pick groceries up with on way home from work.Im toying with the idea of getting a personal loan to pay off credit card debt, and float the lease end payoff with. I dont know what the interest rates may be.My credit score is in the 730s, no missed payments.Once this car is gone, Ill have 700 a month freed up that I didnt have before, and can aggressively pay off any credit card debt or personal loan.Am I missing anything? Is this a good plan?Assistant: This budget is only 1765. Seems like you should have plenty of cash to pay off the credit cards?Human: Going to edit op with this information.Take home ranges from 2k to 2400 a month, which still doesnt add up fully.Animal expenses can equate to around 50 a month, and lunches at work are around 5 a day, 5 days a week. Forgot that one. 