<prompt> Human: Hi Everybody,I dont know where else to turn to. I have allowed myself to get into massive crippling debt. A wedding has attributed to this, however I do need some help to determine what my next steps should be so my wife and I can look to move forward. I cannot pull myself to visit someone in person to discuss this as I am extremely embarrassed about the state of my finances. I really wish to tackle what I can, how I can this year. I understand the debt below has consumed me and I shouldnt have allowed myself to get in these positions or take the loans at those interest rates.I currently earn 58,000 each year before tax with around 4000 in bonuses after tax. This equates my take home pay weekly to 888. I have a company car with Fuel so I dont have any vehicle expenses. I pay 200 per week in rent which covers internet, Power and Cable TV. Below are my current debts and interest rates; Personal Loan - 29,957.43 15.95 Currently paying 289 per fortnight over 7 years Personal Loan - 24,273.87 28.7 Currently paying 799 per month Personal Loan - 7973.45 29.9 Currently paying 108.63 per fortnight Hire Purchase - 5000 25.5 Paying 40 per week Hire Purchase - 1500 0 42 per week - 12 months interest free Store Card - 1500 29.9 paying minimum each month Store Card - 2000 22 paying minimum each month Credit Card - 2000 18.99 paying minimum each month My wife earns 47,000 per year before tax 1350 per fortnight and has the below debts; Personal Loan - 16,578 29.9 470 per month Personal Loan - 8000 16 150 per fortnight Credit Card - 4000 17 pays the minimum Is there anyone out there who can help me formulate a plan on what I should tackle first? I know this a horrible state and I wish for someone to help educate me on moving forward. I also reside in NZ if that helps?Please let me know if anymore information is required.Thanks everyone.  <response>: You did the right thing coming to here. It is brave but necessary to face this. Now, holy shit that is some high APR. What is the state of your credit? If I was you, I would immediately head to a credit union, get a loan at the lowest APR you can find and throw it at the highest interest rate debt first. If you are unable to qualify for any additional loans, you will need to live bare minimum. Eliminate the root cause of how this debt started to begin with. Then explore the differences between different pay off methods. Lastly, if you do not pay of the balance in full during a statement period, many credit cards will begin charging interest once it IMMEDIATELY posts. You also dont want to add any additional principle to those CCs. For this reason you should cut out any spending on those cards as soon as you can and use cash. Best of luck. 