<human>: Could you distill the essence of the text into 1-3 sentences?

21 years old, $3,065 in CC debt, want to pay it off before the end of the year.

I REALLY want to get my shit together and start saving. I know I have a spending problem. Before I can save, I need to pay off my debt. And then my taxes. I was planning on doing the snowball method, but also read up on avalanching. Is there an way way to find out all of my interest rates? 

Based on last month's statement balance and the interest I was charged, can I calculate my interest rate? Or do I have to call each lender individually? I opened all of my accounts rather irresponsibly and I Have no idea where any of the paperwork is.

I make roughly $1,800 a month. I am a 1099 contractor so I owe back taxes (about 3k) and I have a delinquent speeding ticket (roughly $350). I just took a second job that will be be adding roughly another $100 income per month.

I have my own studio but have no rent or utility responsibilities. My non-credit bills total $150 a month. That is my car insurance and phone bill.
<bot>: Based on last month's statement balance and the interest I was charged, can I calculate my interest rate? Or do I have to call each lender individually?