<prompt> Human: I lost my job in February and I had almost nothing saved. I immediately panicked, and applied for a bunch of credit cards. Since February, weve my family been living completely off of credit cards. I started a job last week, I finally get a paycheck on Oct. 11th and I will no longer need to use a credit card. I accumulated a lot of debt and I have no idea if Im at all able to salvage my finances. I never learned anything about finance, but I think I messed up big time. x200B;These cards all have rates between 20-25, but the first 18 months is 0. 18 months from when I opened them would be July 2019. After paying what I need to each month, I will be left with an extra 200. x200B;This is what I owe:The blue card - 7,000The green card - 5,100The grey card - 4,500The black card - 1.200The silver card - 300 I feel like I wont ever be able to pay this off, especially at 25. Do I have any options?  <response>: Follow the Dave Ramsey Plan. Set a 1000 emergency fund aside. Start with the debt snowball of the lowest balance first and hammer it out. I recommend getting another job delivering pizza or something. Put as much as you can towards it. Sell stuff that you can to help and minimize your bills. 