I'm going through a separation, soon to be divorce, and I have now found myself with a lot more expenses, namely rent and utilities.

Before I was paying around 800/month, I'll be paying nearly double that once everything is totalled, closer to $1450/month (rent plus utilities).

My monthly gross is $3848. I have a total about $47000 in debt, $31000 of which is student loans. About $10000 in CC debt (payments are about $400 a month), and $2500 ($100 a month) in a personal loan. I've been avoiding using my CC and making a little more than the minimum payments. Car payment is 250 and phone is $150.

Some silver lining is at some point I'll be able to take my ex off my phone and health insurance, adding about $250 a month to my take home.

Moving made a sizeable dent in my savings unfortunately, and now I have less than $1000 in savings.

That all said, do I focus on my CC and personal loan debt, or rebuilding my savings?