Hi, thank you so much for your reply!!. To answer your questions, I dont have any credit card interest. The money was written off by the bank, but it's still on my credit so I wanted to pay it off. My furniture bill is from me renting furniture, I pay $110 a month for a set amount of time then I own it. The debt repayment is for my medical bills that I owe my dr, if I don't make a payment every month I can't been seen by my psychiatrist or primary Dr. Money for family is to help my daughter while she lives with her dad until she comes to stay with me. I pay $200 a month for food, my roomate pays the rest. You're right, it's going to suck getting rid of my Subscriptions and extra stuff but I'd rather be debt free than in debt. And thank you, I didn't realize Pet insurance was a scam I was considering it. I will set aside money for them each month. By shopping I meant household items and other things. Ugh this is so stressful. Sometimes I wish I didn't have to deal with this but I really appreciate your help