wiktionary has the earliest reference in 1984 in a book by Piers AnthonyHaha , not surprised . His books were my first foray into the Fantasy book genre as a preteen . Well , not withstanding the Firebringer trilogy by Meredith Ann Pierce . <| sep |> Dont take this personally , but youre 20 k in debt and have next to no assets , saying ' It ' s hard to find a good cell service at a decent price ', is BS . I did 1 google search cheap phone plan clicked the first link , and was able to verify that the information was good not perfect and accurate . To put things in perspective , my net wealth is much higher than yours , and I spend $ 30 flat , no taxes or fee ' s a month on tmobiles prepaid plan that gives me 100 minutes , unlimited texting , 5 GB high speed data and unlimited low speed data . It isnt the best plan in the world , and I can certainly afford better , but I am frugal about it . If you were to switch to that plan , that ' s almost 1 . 5 k you ' d be saving a year from your phone alone . Cut out some other junk and you ' ll be on your way to fixing your situation . You wont remove 20 k of debt in 1 year at your income , but you can definitely knock it out in a few years .