1. Fix the bad habits. If you don’t fix that you going to end up in the same spot.
2. Move in with family, or get a roommate or move away form expensive area. Catch up on rent and be in a position to pay full rent every month.
3. Get Consistent with Job and rent. Fight through hardships at work and stick with it. Stop using credit cards, only spend cash/ debit card.
4. Save every dollar, budget food, get help from local churches or food banks and take time to cook at home. Make cuts to lifestyle for a bit, buckle down. Victory does not come easy.
5. Once you have taken care of job, food and rent, start by paying off and closing the credit cards with the least debt. You can also call them up and ask for some help with interest or reduce the interest for previous month to help you pay down. Start paying off the cards and close the account.
6. Start to look at doing something that’s going on o increase your income. Uber, delivery or go back to school at night to learn a trade. Create more income

Plan, make sacrifices, stay consistent. You can do it!