<prompt> Human: Okay, this is a doozy, so bear with me. Through a series of extremely bad decisions and poor financial choices, I have reached a point where I feel I am trapped. I have too much debt - the total amount isnt that bad, but I have two many debts... My cash flow is severely compromised and the minimum payments are eating up so much of my take-home that I cant really pay any more than the minimum. Here is a rundown of my budget... Monthly Takehome Pay: 2600Rent: 900 Entertainment NetflixHuluApple MusicMoviesetc: 50Cell Phone: 82.50 Student Loans: 180.34 Pay Day Loan: 111.89Loan A: 54.00 Loan B: 192.75 Credit Card A: 25.00Credit Card B: 27.00 Credit Card C: 79.00 Credit Card D: 29.00 Credit Card E: 27.00 Credit Card F: 27.00 Credit Card G: 35.00 Misc A: 159.99 This is a summary of all my debts: DebtAPRPaymentBalance:--:--:--:--Pay Day Loan120.62111.89508.35Loan A43.9954.00292.70Loan B32.34192.753851.76Credit Card A26.2425.00754.72Credit Card B25.2427.002042.61Credit Card C22.979.002540.59Credit Card D22.929.00987.07Credit Card E22.927.00146.00Credit Card F20.1527.00528.90Credit Card G19.9935.00187.94 Medical Bill A00.00121.04 Medical Bill B00.00157.17 Misc A0159.9968..37Misc B0088.40Total767.6312895.62 Ive already filed Chapter 7 in 2014, so I cant do that again. So basically, I have 619.53 available per month, which is pretty close to 150 a week for food, gas, laundry, groceries, etc. Not... great. Any help with this would be greatly appreciated, thank you very much. Also, I flaired this as Debt, but if it should be changed to Budgeting, let me know. Thanks.  <response>: You have to get rid of that payday loan. So much so that it would be worth taking a hit on other credit cards missing a payment to pay it off. I assume since you have a bankruptcy on your credit, its already shot. Save every penny you can and pay that payday loan off ASAP, and dont take another one!From there you can start to snowball your debt situation. Start by focusing on the loan with the smallest balance others will say that you should start with the highest interest and work down, but I think the snowball method will work better for your motivation. You do have extra money left over each month... take a hit on entertainment and eat ramen for a few days to get these paid off and gain some breathing room. Another question would be - how did you acquire all this debt? You need to reevaluate your spending habits. 