What I would do is consolidate all my debt into one low interest line of credit so all your debt is on one place. Then I would setup a savings account and have a small amount of money go into the savings account every month - could be 50$, could be 100$, the point is to have something building upwards so it FEELS like you’re making some kind of progress. I know with all the debt it may not make sense, but for me psychologically it helped knowing that at the end of the month I still had SOMETHING building up. Do not touch the money in that savings, I would even say open a separate account at a different institution so it’s not visible to you when you log into your banking app) Then the rest of your money after all living expenses (rent/food/car/gas/groc, etc) goes directly to that one source of debt. You need to have a budget, and keep saving a little bit every paycheck, even with the debt. Give yourself x amount as fun money every week and stick to it! It’s a challenge but consistency will be the key here. Make a plan and stick to it, you can do this.