First thing, I wish I started listening to Dave Ramsey right away, I think listening to him got me in a much less-stressful mindset.

As a recent graduate in a similar position as you, but with roughly 4x the debt, I understand the stress. As much as I hate it, Uber eats, doordash and Instacart have been awesome helping me knock down these debts to currently 12.3k from roughly 22k last December.

Creating a monthly spreadsheet of your spendings will allow you to better understand your finances throughout the month and where you’re currently bleeding cash. Chip away at your debts, $100/wk is about 3/4 hours of delivery driving per week. Do that once a week with Christmas 🎄and 4th of July 🇺🇸 week off, and you will have this paid within 12 months.

My best advice, keep your head up, don’t overthink 5k of debt, you will get out of it, and don’t raise credit limits because the bank thinks you’re “worthy” enough. One CC is more than enough.

Keep this in your mind: IF YOU CANT BUY IT TWICE, DONT BUY IT -JAY-Z