<prompt> Human: Hello,I am a 26 year old in about 8k wort of debt through credit cards. I have no student loans and no car or insurance payments but basically live pay check to paycheck. I make about 47-48k a year. Some weeks more tha others , but after taxes, 401k etc I bring in about 1250-1350 bi weekly. My rent is 1k a month. Any chance you can help me figure something out? I get absolutely killed on one credit card alone per month I pay about 70-80 a month on APR alone.Assistant: My money certainty goes to bars. Id say i go out three times a week at bars and spend 100 a night or so.  <response>: Well, theres some of your problem. Youre spending 1200 3 nights a week x 4 weeks a month x 100 a night out of your excess 1600. Thats way too much. 