<prompt> Human: A year ago, I knew the ride was over. I had to face the reality that for the past 5 years, I played loose and stupid with credit cards and was now facing a whopping 15K in debt and interest charges well over 100 a month. I kept things going by constantly opening new accounts with no interest period and then maxing them out. Now all that interest free period had expired, my credit score was down in the low 600s and I could no longer get approved for any new cards.I figured I would just pinch and save as much as I could and throw everything at these balances. And I did. I paid balances off completely on most of the cards. Problem is, by the time I got one card down to zero, I raised up the balance on another card.Part of the problem was unable to control my blu-ray and video game spending, health bills, an expensive move and exploiting deals. I discovered how to get massive savings from buying used gift cards at cardcash and raise.com. But in reality, all I was doing was loading up another balance that eventually would start being charged interest.I tried a new strategy of immediately paying off any new charges on a credit card and then working backwards. But it was hard to keep track of which charge I paid off as I worked backwards. I tried the Dave Ramsey approach of paying off smallest debts first. But I was amazed at just how fast small purchases added up a few thousand dollar balance.So here I sit a year later with pretty much the exact same credit card debt of 15K despite throwing hundreds of dollars at these balances every month. The only thing I know to do now is to sell everything I own and throw that at these balances.  <response>: Stop spending. Stop spending. Stop spending. It doesnt sound like you really followed the Dave Ramsey approach. You tried a debt snowball, but didnt do the other parts like budgeting and exercising fiscal discipline. Like others have said and will say, you need a budget that accounts for your income, expenses, and debt repayments. Once you know where your money is coming from and going, you can start to get a handle on what changes you need to make to get your debt problem under control. You cant pay off debt if you keep adding to it. 