<prompt> Human: Single... No kids.Income: take home income is about 3k a monthBills:450 month car payment. Lease 550 month rent.400 month student loansI eat out too much, so thats my first step. Probably was spending at least 100 per week eating out. So about 400 month. Gas : 100 monthUtilities: 80 monthEntertainment: 100 monthMinimum credit card payments usually take at least 700 a month. Questions:Are there any legit credit card refinance or restructure businesses out there? It seems Im paying most of my extra income right now to minimum payments.I also put 150 a month into an employer stock plan which I will not get until 2 years from now where i get 50 extra stock from whatever I contributed.My main plan right now is to go cash only and not carry a credit card.Plan: drive uber, make another 300 or so a month to credit card. I suapended my monthly payment to my ira.  <response>: You are leasing a car. If you drive Uber, youre going to go over on miles, and not only will the mileage fees more than offset any income, but the taxes at the end of the year would leave you net negative. How much longer until your car lease is up? What is the buyout on it? What kind of car is it? That 16,000 that youre paying over 36 months, just to have to turn it back in. You need to see the buyout of that car, and think about trading it in for like a used Corolla or Mazda3. If you can get a loan for an 11,000 basic, fuel efficient, newer reliable car, you can drop your fuel costs AND your car payment. Cut ALL spending. No eating out, no going to bars. Make extra payments against one of your cards. Your choice on whether its your highest interest one, or lowest balance. And GET A BUDGET. Dont go cash only and then have no way to track that you just bought a new Macbook and blew 2,500 last week. Do you have a hobby that left you with things that you can sell, like that Macbook, camera gear, etc? 