<prompt> Human: To start, I know that it was a stupid idea to get engaged and then set a wedding date soon when my debt situation isnt great. I know that the easy solution is to just have a simple wedding, or push the wedding date back. For background, here is my incomeexpenses:I work 2 jobs. First one has a take home pay of 1100 bi-monthly, but four times a year that jumps to about 1600 to catch-up. Second job is bartending at night, making 400-500 per week. It varies, so I estimate 1800 per month for budgeting purposes. My fiancée takes home 2400 a month, and also babysits some weekends. We estimate 200 a month for budgeting purposes. Total income: 6600General Expenses: Housing Utilities internet: 1100 - Split evenly between us my car payment: 270.80 my car insurance: Last 6 months was 480, next due 1231 My phone: 120 Gym: 50 Spotify: 10 Netflix Hulu: 20 Her car: 250 Her insurance: 67 Renters insurance: 10 Her phone: 50 she is on her moms plan groceries: about 400 for both gas: about 100 total for both eating out: This is the huge problem. during October Ive already spent 307 on eating out just for lunch, and the month isnt even over. This is the big area I need to cut out. Weve spent 280 on eating out together this month so far. Again, need to cut that. She always takes her lunch to work. Reasonably I think we should budget 200 a month for both of us. Booze: 100 per month-ish for drinks at the house Bars: maybe 100 per month. Weve cut this a lot My Debt DL consolidated unsub: 6,382.56 5.875 68.43mo DL consolidated sub: 12,388.99 5.875 142.78mo Navient private: 14,188.96 4.25 148.90mo Navient private: 3,743.92 4.125 39.32mo Sallie Mae private: 1,840.64 5.25 105.39mo Sallie Mae private: 6,233.34 6.5 91.65mo Discover student loans: 2,481.04 8.0 50.00mo Totals: 47,259.45 646.47mo Loans are so high because I studied abroad a semester in Rome. 22k is from that. I started with 62k in loans and Ive paid about 32k in payments so far. 21k principle11k interest. About 7k in capitalized interest. The kicker on all of that is I didnt even graduate. Probably 30 credit hours away from a finance degree. I currently work at a bank in my field through sheer hard work and some malewhite privilege Ive been promoted twice after starting as a teller. CC debt Citi: 7,985 0 until Nov 2018 123 minimum BoA CC: 4,900 0 until Dec 2018 49 minimum Bank CC consolidation loan: 3,502 5.64 155.37mo Her Debt Student loans: about 60k - On IBR - about 120mo. Doesnt even cover the interest. Theyve been steadily rising. Shes a teacher so we need to look in to the forgiveness options. CC: 10k 0 until April 2018. She hasnt been paying this down. This is the card she uses for daily spending. Used to have it on a 25 card and the balance was going up every month. all expenses together 4011.64 That leaves about 2600 each month to save for the wedding at the end of May. Thats 7 months away from now. We have a wedding budget of 15000 for 200 people. Her mom is kicking in about 7000. I would also like to save 2000 for the honeymoon. That leaves about 10000 for us to come up with. I have 2000 in savings right now. I know that this should stay as my emergency fund, so I want to save 10000 between now and the wedding. My question is, should we start paying off these credit cards first, then put wedding expenses on the cards, or save for the wedding and try to pay for the cards afterwards. I would also like to have enough money saved to buy a house in summer 2019. The situation is messed up because I only started getting a handle on my student loans and cc debt last year. I more or less ignored the problem because it seemed so insurmountable. In 2015 alone I paid 640 in overdraft fees because all the auto-payments for cc minimum payments and student loans would take me negative.Any guidance on what to tackle first would be much appreciated. Thank you! EDIT: Formatting and updated numbers from fiancée.Assistant: 47,259.457,9854,9003,50260,00010,000The two of you combined are already over 133,000 in debt. Even the amount you are planning to spend on the wedding is barely 10 of that. You should not be doing either of the things you suggested and its ridiculous to think that a house a year later is even remotely an option.Cut the eating out, cut the booze, cut the bars, and have a small wedding cutting out at least 34 of those guests. You are way in debt already and I dont know how much you really realize it if you think a mortgage is doable on top of all of that. You should not have any CC debt and she isnt even making payments on hers!I recommend you free up cash flow and immediately begin applying the extra to your highest interest rate debt.Human: Thank you for the honest replies. I know this is a bad situation. Her mom has already made the 50 down payment for the venue, which is non-refundable. So we are locked in to the wedding in late May.  <response>: No youre not. Tell her mom if she wants to have a big, expensive party she can pay for it. You have more important things to do with your money. 