<prompt> Human: Im 25 years old and currently making close to 90kyear just landed this job. Coming from a financially irresponsible household, Im trying to get on top of my finances. I was previously making 57k for a year, and I was barely keeping my head above water, but as I expected I was able to work my way up in that year.Car payment 0 APR: 7000 remainingCC1 26 APR: 5100 remainingCC2 24 APR: 1900 remainingStudent loans: 20k remaining My rent: 700monthMombrothers rent: 1550monthThe reason I have these debts is because my mom is financially horrible, and also because my dad passed away when I was young and our family grew up struggling. She is old, retired, and Im paying her rent. Im trying to be superman here and support myself and my family. Long story of financial irresponsibility which I am angry at. Im fucking pissed, yes, but now that I have a stable job and decent income, I need advice on digging myself out.First thing is my credit cards. I really need to pay off my CC1. I am currently making 500 payments per month and not spending anything on it. After that, I will pay off my CC2. The loans and car payment are no big deal to me. The rents are also neccesary, as I need to support my family. I should also mention, I have a couple thousand in my pension from working a government job.One question I had is: I am working in a Water and Power government building. They have a water and power credit union I was thinking of asking them to open an account, and balance transferring my CC1 for lower rates. Is this possible and a good idea? EDIT: Not trying to ask to get lectured about my family, because supporting them makes me happy. Everytime I post, people just get outraged at my family for putting me in this position and provide no real advice.  <response>: Good guy OP, I think we should take a minute to appreciate that you havent abandoned your family and supporting them even through a financially difficult position. That being said, I think youre on the right track with your plan. Budget around your mums rent, since moving aged parents is difficult and I would personally not put them through that hassle. Since shes not great with money, make sure you keep an eye on any additional expenses you pay for them. Also, is your brother in any position to chip in? Might help you out. Congrats on a well paying job, I hope you make the nest of it! Edit: Just read your comment about the family history, good job pulling your brother up! Its a matter of time before your situation turns around, just stick to your budget! 