googoo now, you are correct in that Adam is a mess and needs to come up with a serious budget and then we start offering a plan of attack. You are also dead on that this "toy" account needs to go.
However danger should not preclude one from doing something
After all, adrenaline rush is a wonderful feeling.
Adam, you should create a full budget, detail out your spending. Take a solid week and go through every bill you have and trim any unneeded fat. (Like $5.00 for nights and weekends starting an hour earlier...cable channels you don't use.. etc etc)
Check your tax return to see if your getting back more than $1,000. If so, adjust your withholding's so you get more back every week.
Then once you have maximized your current dollar: Go ALL IN on ONE bill. To the exclusion of a savings account and other pay offs.
Tackle CC#2 first: Get that thing gone, cut up, tossed out and closed up.
Ignore loan #1 for now until CC #2 is finished. Once that happens, go through your loans and figure out which is your largest monthly payment between loans #1, #2, and #3.
The chances of you being able to finish paying off Loan #1 thru Loan #3 before CC 1 starts accruing interest is pretty small. So, just tackle CC1 out of the way as soon as possible and be done with it.
Also, there is a reason why people say pay off the debt with the lowest balance first often: The time it will take you to pay off loan #1 is over 2 years. After 2 years you still have 2 other loans and 1 credit card left with little to no progress. If you go in reverse, in the same time period, you could pay off CC#1, take what payment you had going there, put it into Loan #2 with all other money you can, when that pays off go to loan #3.
This way at the end of two years all you have debt wise is:
But you also don't have minimum payments from other debts bogging you down.