@ratan I don't know anything about debt, but I know a thing or two about saving money. You can definitely lower your expenses further. Being able to put 1.4k a month on paying debt instead of just 1k would help a lot with paying off your debts. 400 dollars a month is 5k a year.
I spend 120 dollars a month on groceries and I don't buy cheap stuff, I only eat animal products. Start eating rice/beans/lentils (bought dry, in a bag) with just a bit of fancy stuff to create taste and variety (you can add spices, eggs, bits of meat, a little cream) and you can eat for 60 dollars a month. Don't eat out, ever, unless it's a really important social function.
65 a month for a phone is acceptable if you
really need it that much (I know a lot of people use it constantly for social interaction), but if you don't, you can reduce that to 9 or 10 dollars a month using a prepaid flip phone.
Two haircuts a month is a lot. If you're male and this badly in debt, you should probably just buy a clipper and trim your hair yourself. I haven't paid for a haircut in 15 years and never will again.
20 a month (240 a year) for household goods sounds like a lot, too. I must spend around 60 a year. You can probably easily reduce that to 10 a month or less.
You're in debt. Debt is serious shit. Make a few sacrifices. Totally worth it in the long run.
