Condense

 Okay I currently have 3 credit cards, a personal loan, an auto loan, and student loans. 

• CC 1  - USAA - 20.9% APR roughtly 400$ -- I use this for my gym expenses
• CC 2 - USAA - 16.9% - roughly $700 -- this is my most used credit card
• CC 3 - SAMS - 28.65% - roughly $900 -- this i barley use but had to use recently
• Auto Loan -  USAA - 3.94% - roughly $6900 -- lowest rate anywhere. 
• Personal Loan - Advia - 9.2% - roughly $5600 -- ahead of schedule on paying balance
• Student Loans ---- lets not talk about those...

I am debating opening a 4th CC to condence CC 2 and CC3; it would have a lower APR and I would keep those 2 out of my wallet, to use only in cases of emrgency. This would take a hit on my credit which ould lower it.... but then after a few months make it go up because my credit use/available funds would be smaller. 

I WOULD NOT close the credit lines because i learned the hard way that it will plummet my credit score. 

So I would limit the # of credit payments i need to make a month to 2 of them, lower the amount I am paying and also push everything to a lower interest rate.  So it would look like this:

• CC 1  - USAA - 20.9% APR roughtly 400$ -- I use this for my gym expenses
• CC 2 - USAA - 16.9% - 0 - for use in case of emergency  - $12,200 available
• CC 3 - SAMS - 28.65% - 0 - for use in case of emergency 
• Auto Loan -  USAA - 3.94% - roughly $6900 -- lowest rate anywhere. 
• Personal Loan - Advia - 9.2% - roughly $5600 -- ahead of schedule on paying balance
• CC 4 - Advia - 8.90% - roughly $ -- condensed all CC except CC1. How much available?

Aaprtment (rent/utilities/internet) : $1135

phone: $55

Savings: $100

Roth IRA: $100

Loan: $450

Credit 1: $100

Credit 4: $50

Med Bill: $95 I will pay this off with the Nov. Bonus. 

Car Payment: $235

Car insurance: $90

Health insurance: $495 -- will probably pay several months upfront with school refund. 

The Joint: $70

Gym: 25

Gas: $80

Subscriptions: $20

Pets: $50

Groceries: $250

------------------------

$3305

Essentially I would only carry around 2 cards and would limit everything i spend until the end of the month where leftover funds are alotted btween debt and savings.