Long story short, I started returned to graduate school but didn't really curb my spending habits when I was salaried. I've been using my credit card more and not paying it off all the way. My first obvious course of action is to immediately curb spending in a lot of areas and basically park credit card usage, but I'm not in a position to pay off my credit card immediately. (With my current side stream of income, I could possibly do it within 5-6 months). In terms of other payments, my student loans are deferred as I'm enrolled in school, and I'm finishing off a car payment. (I paid well over the monthly for my first two years of owning it, so even though it doesn't mature until January 2026, I'm sitting at a payoff amount of $1900 today).

Honestly, I'm not sure what I'm looking for other than calming advice as I can get easily worked up over such stuff.