<prompt> Human: So Ive got debt from my younger years including a phone that has a year to paid off, 600 in credit card debt and, 3000 on my car payment. I have enough to pay for my monthly expenses and sometimes a little extra that I save up, but something always seems to come up when I save up enough to make a difference in my debt. I make around 900 a month right now at my job with incredible opportunities to increase rapidly but Im having trouble getting into my stride. I spend 600 - 700 a month to pay for my expenses. Is there anything I can do to speed up this process of paying my debt?I want to go back to school eventually as well, but my debt makes it hard for me to make the financial commitment. I was thing about joining the air force to get that paid for.Edit: I work as a personal trainer so its not hourly based but I get paid around 9 pet 30 minute session. It requires actively going out to get new clients. A second job is an option but I want to keep my eggs in one basket as Ive invested a bit into my personal training careerEdit 2: Ok so not drowning but Im 23 and feeling overwhelmed.  <response>: You have an income problem not a spending problem. And your debt is very manageable. A few hundred bucks on a CC and a small car loan is not drowning OP, so dont worry about that too much.900 month sounds like youre not even working full-time. An 8 hr job 40 hours week is more than that. 