<prompt> Human: Hello Reddit,Like many people, Im a long time lurker around here and my first post of a kind. First I want to thank all of you for the help you guys offer, I really appreciate you taking the time to read and giving tips.Im recovering from depression, I have realized Im a loser in life but also Im giving my first steps towards financial freedom, which will take me time but Im willing to get it done asap.SO, Im about 20,000 in debt, I have been very irresponsible about my money until now. I already have cancelled things like Netflix, music subscriptions and such, started cooking at home to be cheaper and healthier, the only thing Im keeping is crossfit 100 to keep my mind, social life in order, I dont want to think about suicide anymore and working out has been helping a lot.Numbers:4- Macys - 1,000 APR 24.5 7- Barclay - 5,500 APR 11.49 14- Discover - 6,000 APR 21.99 16- Synchony Financial - 3,000 APR 0 18- Dell Financial - 5,800 APR 28.74Groceries, gas - about 60week, car payments 280month, insurance 500 every 6 months, crossfit 100.I work as a caregiver and right now Im living in, so I dont have to pay rentutilities so its a big plus. I take home 650 weekly, and to start paying things off I will be able to send creditors at least 250 weekly guaranteed. I guess I need help getting a plan together. Right now my priority is getting rid of debt, after that Ill save at least 6 months of expenses. Also worth mentioning I have no late bills. I dont want to worry anymore, I want to get thing done, this is me admitting the issue and my first step to fix it.  <response>: Sounds like you have a plan. It will take time to pay off. But youll make it. If there are cards in collection. Ask if they will settle for less. 