<prompt> Human: posted first in rpovertyfinance - they said here would be better.POOR making 140k yr Between my husband and I, we gross 140k. Of course, this is substantially lower after insurance, retirement taxes. However our take home is still 7200month. But I WAS making 32k more annually. Then my company cut my title and salary. Im having a difficult time adjusting. Im 1300 in the hole before I even buy groceries or gas. What do I do? Sell our house 1900mo? We would have to get it sale ready and have only been here 3 years so wouldnt make much, if any. 2nd job until 1400kmonth in credit card bills are paid off? Car is almost paid off500mo owe 3500 Since weve been juggling since January on lesser salary- we are 100 overdrawn. Owe my grandmother 2k. Im drowning.Detailed incomeexpenseIncometake home - 7200house-1900car-510truck-577electric-500gas-100water-150internet-115cell-500cable-75hulu netflix - 25credit cards-1400auto insurance-320summer camp child - 580student loan - 150lawncare - 250pool svc - 400housekeeper - 240marriage counseling - 600vet meds - 100Cancelling THIS week - pool housekeeper cablewill call regarding cell bill - its too muchhelp...EDITED TO ADD:credit 1 17.2437; 21k credit 2 29.9937; 11k credit 3 19.1537; 4k credit 4 5k credit 5 5kcar interest rate 437;?truck interest rate 3.7537;Assistant: You should not be struggling on 140kyear. You have a spending problem, not an earning problem. Do you really have 1400 in CC minimum payments PER MONTH?! What are your total CC balances, interest rates, and minimum payments? Youve clearly been living beyond your means even on your old salary. If thats the case, youre spending about 1300 more per month than you make.For things to cut: Cell phone is insane. Cut that down to 100 if you have two lines. Internet is high. I pay 40month, no way you need to spend 115. Electric is ridiculously high. I dont know what youre running thats using 500 worth of electricitymonth, but stop it. Lawncare. Cut your own lawn. It saves you money and its good exercise. Sell at least one car and buy a cheap used car in place of it. Preferably the car and the truck. Can you find a cheaper marriage counselor? I have no idea whats a normal rate for that, but if you can trim that while still having productive counseling, you should. Is it too late to put your kids in a different, cheaper summer camp? If you do everything except the last two, plus what you already said youre cancelling, you can bring yourselves to not only not being in the negatives, but having an extra 1395 to throw at debt andor save.Human: credit 1 17.2437; 21kcredit 2 29.9937; 11kcredit 3 19.1537; 4kcredit 4 5kcredit 5 5k  <response>: You have 46,000 in random credit card debt. You kind of buried the lead here; you gave us line items for things like gas and water bills, but heres the real monster in the closet. Did this debt result from large, emergency, unavoidable expenses like home repairs or emergency sick-relation travel? Or is it discretionary stuff -- 46,000 worth of meals out, shoes, movies, pizza, Amazon boxes, etc.? You need to stop using all your cards and throw everything you can at this mountain of very expensive debt. This calls for a total zero-hour behavioral makeover. Instead of pretending youre making 200,000, you have to pretend youre making 75,000 and throw the rest at these card balances. The alternative is, pretty much, financial disaster.Your line item for marital counseling indicates you already acknowledge some stress. It would be a great form of marital therapy to work together on making these balances go down instead of up 