<prompt> Human: Hello all, Im new to this sub reddit. Please excuse any typos or grammatical errors. I currently make 60k a year. Im 26 and living with parents. I help with a few bills and any necessities my parents need me to purchase such as groceries, soap, and etc. I really want 2018 to be the year I free myself from credit card debt and start saving more money. Ive stopped using my credit cards all together for about 2 months now but the interest is killing me. Below i have listed all my bills and expenses I currently have. I would really love some guidance. I dream of being able to get a house by the time or before Im 30. Where do I go from here? Car payment 370I owe 14,000, total was 20,500, I opened the loan about a year and half ago at 5 interest on the auto loan. Insurance 125Electricity bill avg 200Cell phone bill 115Internet bill 78Gasoline 160Eating out 320Misc 120 - things like a video game or a pair of jeans kind of thing. Netflix 12Spotify 10Credit cards:Credit card number 1 I owe 4,500 with an interest rate of 25 : minimum payment 178Credit card number 2 I owe 3,217 with an interest of 18 minimum payment 76Credit card number 3 I owe ,2925 with an interest rate of 15, minimum payment 70Please note the minimum payments on my cards vary by a few dollars. I have about 1,200 saved right now. Where should I go from here. Which card should I tackle first? As far as saving, should I tackle my debt head on first or is there a mixture of how I can save and pay down debt. I make about 770 after taxes. I forgot to mention above I have a 401k with 13,000 in my account. 5 of my salary goes towards my 401k. Should I pause this? Or let it be? Thank you all for any guidance you provide me. Edit: sorry Im on mobile site.  <response>: Dude you can knock this debt out so fast its not even funny. you should be able to put AT LEAST half of your income towards the debt. 1500 a month towards the CC will have it all completely gone in 8 months. minimums on the 2 lower interest rates cards and dump the rest towards the 25 card. One that is payed move on to the nextIf you can pay it all off in this time frame , then it is not even worth looking at a balance transfer or consolidation because the fees on those will nearly equal the interest you would be paying on the cards.Just get it done. 