<prompt> Human: Hi, as the title says Ive been in this debt for way to long. It is not a big debt. I owe a total of 8,000 in credit cards. I am starting to pay interest on almost all of them. I make about 5,000 a month, with bills adding up to about 3,000. That gives me about 2,000 left over. Ive tried making a plan to pay it off but somehow i am always short or I spend it on something else. How can i manage my money more efficiently or what would be a good plan to pay this off? Thank you!  <response>: you can manage your money more efficiently by not buying useless shit and having your 2kmonth go into paying off debt. easier said then done but its not like a redditor can control your spending habits 