Your first move should be to reduce your spending. You have officially outspent yourself. The next step is to get a second job ASAP and put every penny you get from it towards paying off your credit cards, pay the minimum balance on every bill you have except the one with the lowest balance put all monies you can towards that one, once it is paid off, move on to the next lowest balance.
It is time for a life change, learn to live within your means. After you have paid everything off, pat yourself on the back and put all that money into savings.
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