<prompt> Human: Thank any of you in advance for the advice you are about to give. I could really use some outside advice on the problem.Im 31 years old with Associate Degrees in both Graphic Design and Programming and living with nearly 30K in debt, all being credit cards. I have multiple credit cards ranging from 500 limits to 7K limits, and theyre all pretty much maxed out right now. Im living on my own right now and working for a small IT company making 32K a year with a chance for bonuses quarterly. My monthly take home income is about 1800 and my rent and utilities runs about 800 for my apartment. Luckily I have no outstanding student loans from either of my trips through college.My income is enough to cover the minimum payments on all my cards and have a little extra left over every month around 200 for food and gas, but theres no real extra available to pay anything more than the minimums on my bills. Ive attempted to apply for debt consolidation loans over the last 6 months but have gotten denied on all of them due to my debt to credit limit ratio. Every time I get a little bit of space on one of my credit cards something comes up and I need to use that money to either fix or replace something. For instance this month the speakers on my TV went and had to go out and buy an external sound bar.Im tired of living in this cycle and need some advice as to what I could do or where I could go.  <response>: For instance this month the speakers on my TV went and had to go out and buy an external sound bar.This last sentence explains a lot, symbolically. Did you really need an external sound bar? How much did you spend? Did you consider cheaper alternatives? Or maybe just...the TV speakers?I suspect a lot of luxury purchases have been made and categorizedjustified as needed. You need to figure out what things are actually necessary for living. 