I’m an idiot, but I have hope. Nearly $20K credit card debt across 2 maxed out cards, how do I pay it off?

I'm an idiot, but I have hope. Nearly $20K credit card debt across 2 maxed out cards, how do I pay it off? Salary: $42K/year (net about $32K). Also about to take on a job that makes $11K/year more, and with a pension. Morgage payment + property tax + HOA fee: $1395/mo (in HCOL area) Home internet + cell phone: $50/mo Electric: $60 last month, but can be a lot more during the winter months cause of electric heat. Car payment: $238/mo (for 38 more mont...

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