I have about 15 small loans ranging in between 4k-10k in local currency, with most being 4k or under. Besides this, I'm currently paying 56k in local currency for a house (I can't cancel/pause this one for next 4 months), around 11k rent, and 12k for long-term loans.
I make around 110k in a good month and around 90k in a bad month.
The problem is that due to snowball effect and really bad circumstances, I can't really pay them off at once while paying ridiculously high interest rates for each.
The usual thing that happens is that I pay them off - or at least half of them - and then something starts to happen mid-month like the illness of a relative, property damage (the infrastructure is really bad here), etc. and I need the money back.
How do I get rid of these small loans which are consuming the balance of my income? Is there an example of plan or strategy that I can follow to gradually pay them off?