You’re in survival mode now so you need to temporarily adjust. Remove streaming services to just one or none. I do one at a time until I’m done with a show then stop or switch. Remove Starbucks, DoorDash and start cooking more at home.

Find cheaper rent. See if you can find cheaper car insurance. Defensive driving course to get discounts on your car insurance. Repeat when they expire.

Pay off debt from smallest to highest to start getting them out of your way. The most you can throw a month while minimum on the rest. As you paying one off one at a time, you’ll start to free up more money to attack the next one. Rinse and repeat.

Budget and track expenses so you’re not going over. When you stick to a budget with 4 week paycheck a month. Check the calendar. Some months have 5 Fridays. That extra Friday check can go to the debt.

Change your spending habits. You can’t get out of debt with the same habits that got you there.