<prompt> Human: This is my first post on Reddit!Ive seen so many posts stating how much you guys have helped people get out of the debt-hole. Im just unsure about how exactly I should handle this financial mess Ive created throughout the years... Whats the best way I should tackle this debt? The lingering anxiety is killing me!!Current Savings: 1500---My Payoffs are automatically debited from my bank accountDebt:W-Mart Card- 930.47B-Buy Card- 660.93T-Plus Card- 1216.68Bank Credit Card- 999.52Furniture Loan- 457.65Student Loans- 3662.14 50mo PayoffIRS- 1667 37mo payoffCar 1: 12,459.91 234mo PayoffCar 2 Wifus: 12,539.18 326.41mo Payoff.. Her first loan, no creditBank Loan 1: 139.89 50mo payoffBank Loan 2: 325.24 50mo payoffTotal Debt: Around 34k---Monthly BillsRecurring charges:Rent- 900Car 1- 234Car 2- 326Car Insurance- 423 Full coverage, bad driving historyElectric- 120-150Phones- 200CableInternet- 154Netflix- 10Spotify For the Wifu- 10Pandora- 5Ipsy For the Wifu- 10FFXIV- 15SWTOR- 15Hulu- 12Total Expenses: Around 2500 before food and gas---Another problem is our daily small purchases red bull, fast food, cigarettes... etc. We end up spending soo much money on foodsnackssoda, and I have trouble tracking all of it. All I know is that we feel like we spend money faster than we can save it. I would definitely appreciate any advice I could get, I just let a lot of things go and now I feel like its time to pick up the pieces..Edit: Didnt expect so many replies so fast! Thanks for all of your advice!Edit 2: The phone plan has 3 phones, one is owned by a close friend. I just worked out something today that definitely might help my situation; My close friend moved in with us because he had nowhere to go We added a line of service on to our phone plan for him and helped him find a job. Now my friend is making close to 300wk working at a restaurant. He agreed to pay for the cableinternet and electric bill while hes living in our home! As well as his portion of the phone bill Around 50mo. That being said, I dont think Ill be able to get rid of both cars probably for selfish reasons but Im planning on dropping Spotify, Netflix, FFXIV and SWTOR; as well as cutting the tobaccoredbullsnack habit. That should save me around 500-550mo! Im also going to start tackling the debt starting with the one that generates the highest interest. Thank you guys for the solid advice and Im up for some more suggestions!!  <response>: Car 1- 234Car 2- 326Car Insurance- 423 Full coverage, bad driving historyThis is insane. Honestly, screw the snackssodaetc. Youre spending more in your cars than in your rent. Get rid of one of these cars right now. Are you upside down on either car? If not, Id get rid of BOTH cars and buy a 3k beater. You can barely afford one car, let alone two.Second, your phone situation is pretty absurd as well. You should be able to get two phones for something close to 100.Food is also a major drag on everyones budget. What I do to prevent eating out too much is to spend 2 hours on a Sunday and cook meals for 3-4 days of the week, so I dont have to resort to eating at restaurants. 