<prompt> Human: Hi reddit, first off I have no idea where to start, I am 24 years old, I have about 5600 in credit card debt, spread between 2 credit cards and a store card I was fucking stupid.Discover: 1680Chase: 2450Newegg: 1474I roughly make 600 a check every two weeks and 150 of that goes into my savings and 6 into a 401k. I try to pay at least 100 a month to each card, I feel like I am drowning.My 401k is at roughly 1900 last I checked. My savings is at 1800 spread between two savings accounts, 500 of that is marked for school, 1400 of that is an emergencywedding fund I recently got engaged.What can I do to pay off the debt quicker.Gas is about 25, food is around 150, I do not pay rent current. Should I pull my 401k to pay off some debt or should I dump my wedding fund into debt? The fiancee and I have a goal of getting married august 2016. I want to be debt free by then.Please help, I feel overwhelmed.  <response>: Id leave the 401k alone. Youd lose 10 as a penalty and pay taxes on whatever amount you withdraw.I would put both parts of your savings towards paying your debt. For the school portion, if you end up needing it, youre better off getting a student loan for 500 at 6.21, than paying 14-26 on credit cards.The emergency fund should go towards the credit cards as well. Thatll free up 1400 available credit, so if there is a true emergency youll still be able to get that money. Dont, if you can help it.Currently youre putting 300 in savings and at least 300 to your cards each month. So 600 for the cards, until theyre paid off.The Newegg balance has to be paid off by April, or youll get hit with a massive interest charge for the past year. Its a promotional financing thing. Lets pay it off a little early, so you dont get screwed.So we can make payments approximately like this:Now, from savingsNewegg: pay 1474 full balanceDiscover: pay 326 remainder of savings, 1354 new balanceFebruary paychecksDiscover: pay 555, 17 interest, 816 ending balance Chase: pay 45 minimum, 2405 ending balanceMarchDiscover: pay 555, 10 interest, 271 ending balance Chase: pay 45 minimum, 2360 ending balanceAprilDiscover: pay 280 full balanceChase: pay 320, 2040 ending balanceMayChase: pay 600, 1440 ending balanceAnd so on...After August you should be completely clear of debt, so then start putting 600 in savings each month. By August 2016, assuming no unexpected setbacks, you should have at least 7,000 saved up. 