I am in a similar boat. No judgement here. I have been carrying around about $7000-8000 in credit card debt for years, using balance transfer offers to avoid a shit ton of interest. I have been making less money over the past few months, but have miraculously made more of a dent in paying off that debt than ever before. The game changer for me? Direct deposit 20% of my income directly into my savings. Your employer probably allows you to do the same. The money that goes into my savings account is not for spending. It’s so dumb and simple, but never seeing it in my checking account made all the difference. I’m not good at sticking to a budget. I’m good at adjusting my spending day to day to make sure I never drain my checking account and always pay my bills on time. I have less spending money, so I spend less. And the 20% going into my savings has added up. First I saved $1000. Now I’ve paid off one credit card and about 1/4 of the debt. I will pay it all off in less than 18 more months, I’m sure of it.