<prompt> Human: Ive perused this sub for the past year in hopes of solving my own financial woes. Long story short: I am not good with money. A couple of years ago I got a credit card without even knowing how it works at 23 years old. It started with a store card that only allowed purchases in store, then somewhere along the line changed to a general MC that allows purchases anywhere. I started using it to pay for gas and groceries, but then it turned into tickets and clothes and eating out to the point where it got out of hand. I never paid off the balance. My naive self just thought I would deal with it later. I dont know what I was thinking.Fast forward two years and Im in over 10K of debt from this. Ive done 3 balance transfers to reduce my interest rates, and now have a 1,000 balances on 4 cards. Three of them have 037; interest, one of them has 2337; and its making my payments seem worthless. If anyone has any advice on how I can get ahead of this and start living my life instead of worrying about debt, I would be very grateful! Heres an outline of my finances below.Income:2120mo - Gross Income from 9-5 office jobAfter Employer Benefit Health and Dental insurance deducted 170moAfter Employer Subsidized transportation pass to take the train to work every day deducted automatically from paycheck 55moAfter electing 237; pre-tax towards retirement plan 60moLiving Expenses:240mo - Groceries for 1 person per month762.50mo - Rent 4 Roommates, includes free laundry, low for my area22mo - InternetCable split between four people, this is my share12mo - Electricity split between four people, this is my share40mo - Gas average of high winter rates low summer rates over the course of a year, between 4 people213mo - Car insurance 2013 car12mo - Renters insurance100mo - Gas for car. I take public transit to work and use my car for weekendpost-work activities outside the city I live in.40mo - Gym membershipCredit Cards Highest to Lowest BalanceCC 1 - 4,320Interest Rate: 23.4937;Minimum Payment: 120What I Pay per month: Minimum whatever I can no auto-pay featureNotes: This was the first card I got in 2016. Once I learned what interest was I transferred the whole balance something like 4000 to CC 2. Still hadnt learned and kept racking up debt on this card which has me at this balance today. I called the CC 1 company a few months ago and got the rate lowered from 25.9937;. I also had them take all my payments and put them towards the 900 in cash advance that I made which had a much higher interest rate, so the cash advance balance is now settled at 0. Monthly finance charges are averaging 70-90, making it difficult for me to even make an effective payment. I can afford to pay 150, so Im really only paying half of that after interest kicks in. Feels impossible to get this balance down. I dont use this card at all anymore, its in a drawer in my desk at home.CC 2 - 4,200Interest Rate: 037; promotional rate ends 082018Minimum Payment: 84.00What I Pay per month: Autopay minimum 15moNotes: I transferred my 4000 balance from CC1 to this card with a 037; interest rate that expires in two months. Starting in two months, it will be charged 2537; interest, making it just as bad to keep up with payments as CC1. I dont use this card at all, just make payments on it.CC3 - 1,640Interest Rate: 037; until 032019Minimum Payment: 25.00What I Pay per month: 25.00Notes: Another balance transfer from CC1. No purchases on this card, only payments on the balance transfer.CC4 - 1,420Interest Rate: 037; until 012019Minimum Payment: 25.00What I Pay per month: 25.00Notes: Another balance transfer from CC1. No purchases on this card, only payments on the balance transfer.Total CC Debt: 11,580I dont know how I will possibly pay these off at my income level. How do I cut costs further? This is such a huge drain on my mental energy, knowing I cant plan any vacations, or go out for drinks or entertainment without feeling guilty. I got myself into this mess so I know I can get myself out, but it is demoralizing to see my payments slaughtered by interest charges. It feels like I cant afford it at all, so Im not sure what to do to break this cycle. PLEASE HELP!!Edit: My recreationentertainment expenses:Two things that are ingrained in my lifestyle are 1 my gym membership 40mo since 2015 and 2 Summer time softball - 10 games for 70, summer soccer - 7 games for 70, winter indoor soccer 8 games for 100, in addition to the pickup leagues. This stuff keeps me sane. Does anyone think it would be possible or wise to keep these expenses? Absolutely unnecessary, and could find alternative ways to still enjoy things.Edit 2: Thank you everyone for all the feedback! Going to look seriously into selling the car and replacing with a beater that doesnt require crazy high collision coverage, using the leftover to cover CC1. Cutting the gym membership, cutting the summer soccer, and cutting the groceries to 150. Hopefully, Ill have a 1 year update post with good progress.  <response>: You need a secondbetter job.You could make more waiting tables on weekends than your office job.You should feel guilty going out for drinks, because you are still paying for your last drinks. You dont have the income to support your lifestyle. 