Bills Rent-1045 Car payment-356 Insurance-454 Phone-55 Groceries- 300-400 biweekly Subscriptions- 50 ish Biweekly pay- 1500-1700 I’m 19 I currently work from 7:30-5:00 making 20.50 an hour as a utility locator I’ve managed to put myself into cc debt with essentially 2 maxed out credit cards, 1 is at 1500 and the other is at 2500 I’ve been contributing 3 percent (company match max) to my 401k and send 5 percent of each paycheck(80-90 dollars biweekly)to a hysa(4.5 percent) I just watched my credit score drop 100 points due to a missed payments on one of the credit cards but I don’t know what to do, it feels like when I’m getting by it’s fine but then something happens and I have to pull from my savings( sitting at around 300 rn) or pull from my next paycheck which I hate to do. I would love some advice to get me out of this hole I managed to dig for myself and consider myself financially literate aside from the credit card mistakes I made as a fresh 18 year old. Any advice is appreciated to get me out of debt and set myself up for success