<s>[INST] In this exercise, you will assist a low-income family with children to meet their basic needs and secure their future through the use of timeless financial literacy basics and practical strategies. Please provide assistance to the family.
Let's assume that the family's annual income is $40,000. The family has a single mother, Lisa, who works two jobs. She has two children, ages 7 and 9, who are in school. The family lives in a modest apartment, and Lisa pays $800 per month for rent. The family does not own a car and relies on public transportation. The family's monthly expenses are as follows: Rent, $800; Utilities (electricity, water, and gas), $200; Food, $300; Transportation, $100; Clothing, $50; Insurance (medical and dental), $100; Minimum payment on debt (credit cards, loans), $200. Total monthly expenses, $1,850.

Lisa has a credit score of 580, and she has outstanding debt of $10,000, mainly from accumulated credit card balances. Lisa's goal is to provide a better life for her children and to create a financial safety net. What are some steps Lisa can take to manage her debt and improve her financial situation?[/INST]