@dr_tan Wait, whats your rent payment?
Do you receive $1100 a paycheck?
What are your minimum payments?
I’m assuming your car is probably $200-300/mo
Nfpc - $250/mo?, nfrc - $150/mo, student loans - $120-220/mo?
So if your total is between $750 to $900, then add gym, discount tire, and food, you’re roughly at $1000. For the month.
Of course these are just guesses but i would handle all those minimums in the 1st of the month (or 15th) and throw the entire other paycheck into the navy federal rewards card, for 5 or 6 months straight (the one with 5k balance).
Then switch to throwing the entire paycheck to your best buy card and discount tire, by the end of those 6 months those two balances should be paid down a bit more. Switch over to your platinum card before you focus on student loans.
By the time you switch to your platinum card, you should have paid off a few things and have more left over money. Just breath and most importantly start a little spreadsheet and be strict with yourself for the next year. This is something you need to learn.
Edit: i didn’t mention the car because you just need to make the monthly minimum on that until your credit cards are paid off - then you can focus on the principal.