You can definitely get out of this, just gotta believe in yourself. I was once like 15k in credit card debt when I was younger than you and worked hard and got out of it. It'll be tough but you guys have discipline. One thing you can do is cut back on weed. It's an unnecessary and costly expense. Like instead of every day, try cutting back to every other day or something like that. Same with food. Eat at home more often if possible or just cook at home. Every fast food place is the same. McDonald's isn't gonna taste any different between today and next week. You won't be missing out on anything.
Also make sure you pay yourself first before paying any expenses. If you don't have it, download this app called Mint. Great for budgeting and seeing all your accounts in one place. Also consider opening an online bank account. I use Ally but there's various others. They have good interest rates compared to regular banks like bank of America plus it's not a bank where you can take money out whenever so you're not prone to tap into your savings. Then also pick up some skills or study something on your own if you can't go to regular college.
Set a budget, set a plan to cut back on unnecessary expenses, set a savings goal.
I want you to tell us at the end of the year that your total debt is under 5k if not much lower. Stay focused.
Also make sure you pay yourself first before paying any expenses. If you don't have it, download this app called Mint. Great for budgeting and seeing all your accounts in one place. Also consider opening an online bank account. I use Ally but there's various others. They have good interest rates compared to regular banks like bank of America plus it's not a bank where you can take money out whenever so you're not prone to tap into your savings. Then also pick up some skills or study something on your own if you can't go to regular college.
Set a budget, set a plan to cut back on unnecessary expenses, set a savings goal.
I want you to tell us at the end of the year that your total debt is under 5k if not much lower. Stay focused.