<prompt> Human: Background: I am currently 315,000 in debt. I graduated from law school last year with 280,000 in student loans. After graduating from law school I went through a divorce and found myself with 40,000 in credit card debt and 19,000 in fixed-rate term debt. This debt was incurred as a result of frivolous spending and also putting necessities on a credit card while I completed my clerkship.Current Income: I graduated from law school last year and my student loans have been in deferment since then while I completed an unpaid clerkship. I have since taken a full-time position that pays 53,000 per year. My bi-monthly paychecks result in monthly take-home pay of 3,300. My employer covers insurance. Current Credit Card Debts: Citi Card: 15,550 Chase Card: 16,700 American Express: 5,490 Barclay Card: 2,440 USAA Fixed-Rate Personal Loan: 3600 wmo. pmt: 279 Bar Study Loan: 15,396 wmo. pmt: 169Current Fixed Monthly Expenses: Rent: 1400 split in half with my girlfriend Electricity: 150 paid by girlfriend Internet: 135 Cell Phone: 50 Adobe Subscription: 31 Contractually Until May 2018 Netflix Subscription: 14.99 SoftwareMusic Subscriptions: 30Total Fixed Monthly Expenses: 961Variable Monthly Expenses Avg Over Past 3 Months: Groceries: 275 Dining Out: 400 Entertainment: 100Total Variable Avg. Expenses: 775Monthly Debt Payments Minimums: Citi: 385 Chase: 385 Amex: 167 Barclay: 65 USAA: 279 Bar Loan: 169Total Debt Service: 1,450TOTAL MONTHLY EXPENSES: 3,186As you can see, my monthly income is 3,300 and my monthly expenses are 3,186. Debt payments are eating up 1,450 and I havent even started paying back my student loans. I have been using YNAB and Quicken for budgeting and bill payment, but I feel like I am in a hole I cant get out of. Any advice would be greatly appreciated on how to get out of debt and reduce my expenses. I plan to document my journey out of debt here.  <response>: 400 for eating out? Could be zero.135 for Internet? There must be a cheaper option.Take on a second job. Thats the real answer unless you can increase income rapidly in your main job. Debt is simply mortgaging your future earnings in order to live better today. Youve lived better, now its time to pay it back - which means you need to cut back on expenses hard, and work more hours than you think. 