<prompt> Human: Yall. I could use some guidance as I really dont have anyone I can consult with on this. Im a 29F and have been dragging 7-8K of credit card debt around for the past 2 years and it makes me so nervous. I live in NYC and currently make 68,000year yet am still living paycheck to paycheck due to a few years of making less than 50K and getting laid off from my last two jobs. I work in a creative industry where 401Ks and full benefits are not a thing, and I have absolutely no savings. 2200month goes towards paying off said credit cards 800 of that towards cc, bills and rent while still affording some admittedly bougie comforts, such as a coffee and lunch out most days. In general, I never feel like I have more than 100 to spend at a time and try to be conscious of what Im spending. Currently my main credit card orders a 0 APR, but that will be up in February and then Im not sure if I should take out a loan instead? Thankfully I dont have any student loans to pay off. I will also most likely be making a move from my current employer and may take a pay cut, as my current position is not very well suited towards my strengths or interests.I hope I dont sound too much like a cliche, because Im really trying to sort this out as quickly as possible. Any advice on how to get this done wisely, or just confirmation that other people are in similar peril and have made it out alive would be truly appreciated.Assistant: 7k is not a lot. You need to create a budget and stick to it. Start with not eating out and buying coffee everyday.2200month goes towards paying off said credit cards, bills and rentAt 68000 yr you should be around, or above 3kmonth take home. Where is the other 800 per month going?Human: 1100 in rent, 800 for cc, 300 for transportation health insurance is where I got 2200moPlus another 150 or so for various other bills.  <response>: How much do you spend on food? Alcohol? Entertainment? You need to make a complete budget with your expenses and take home income. It seems like you have a lot of money missing somewhere. 