I finally decided to do something regarding my debt. Since I will most likely never be debt-freel;all I can do is make it less anxiety-causing...so I took out a personal loan with Upstart,at 11% for 60 months. This was the best offer I got after trying 3 other companies. It was a smooth and pleasant transaction.

Had a “ pre-approved” code from a mailing;went into the website,and the application process took less than 15 minutes from beginning til the point where the amount and...

Lottery(After Cash Wins)..........................$141
Food(No Eating Out,deliveries,cooked food)$711
House Stuff(Wipes).................................$7
Pets.............................................. ........$8
Personal/Hygiene(Toilet Paper).................$5
Misc(Tips to clerks).................................$5
Car Lease............................................. .$279
Gasoline.......................................... ......$52
Electricity....................................... ........$57...

In too deep...the futility of even trying to get out of debt is becoming much better defined as time passes...and even by controlling the use of my cards and paying my minimums;always on time...the drop in the total balance of debt is minor.
I'm currently paying $2244 a month in minimum payments...that's all I can pay..Yet,I was charged $1092 in interest...so that's only a reduction of $1152 from the previous month.
But $2244 is almost 57% of my take home pay...Every month...

Debt payments.......................$2244
Fla. Lottery.............................$ 279
Food......................................$ 686
House Stuff.............................$ 11
Personal/Hygene Stuff..............$ 56
Car Lease Payment..................$ 279
Gasoline.................................$ 40
Electricity...............................$ 58
Rent......................................$1200
Internet/Land Line...................$...

CREDIT CARDS(10).....$60,568
LENDING CLUB...........$10,686
CAR LEASE(10 PMTS)..$ 2,787
EMPLOYER.................$ 2,179
TOTAL..............................$76,220

DOWN BY $787 FROM MARCH..MEH
76220/787= 97 MONTHS TO PAY OFF..EXCLUDING INTEREST..OK HOPEFUL

HAD TO BORROW $1K FROM EMPLOYER TO COVER OVERDRAFT IN ACCOUNT.

78.71% OF AVAILABLE CREDIT USED.

(REAL)FICO SCORE 625

CAR LEASE...