<prompt> Human: Hey PF...Hoping you can help me as I feel completely drowned! We are making more than the average person in our city, but have accumulated so much debt that we are having trouble just finding out footing and begin the avalanche process or snowball method.Right now our monthly income is broken down like this:Me: 3100Wife: 1400Rental Income: 800---Total Income: 5,300And our main bills are:My car hers is paid off - 336Utilities - 450Mortgage - 1100Credit Cards: 2300 in min. payments !!Auto Insurances: 340---Total Monthly Expenses: 4,526So on paper that leaves about 774 a month, but it seems that groceries around 100 a week, gas about 70 a week, and the one or two days a month we go out about 100 total is enough to totally choke us out and disable us from doing anything..Would settling debt and doing payment plans on those debts seem like something feasible? Or should I just keep doing the minimum payments until eternity and hope I get windfalls here and there?I just dont know what to do anymore...any help or clarity would be so great..thank you! EDIT: Sorry, I meant to say... total credit card debt right now is 25k, but two of the cards fell behind due to the minimum payments being like 255 each, so weve had to play catch up since then  <response>: An article that may help give you a good mindset: News Flash: Your Debt is an Emergency!!Excerpt:On another occasion I was visiting some friends a married couple. The guy was showing me his new TV and video game system. Later, the wife came home from working at the part-time second job she had boldly taken to accelerate the paydown of some old personal debts. On the way home from work, she had picked up a bottle of wine and purchased a DVD containing some episodes of a popular TV show. This may sound like a normal Friday night to most people, but note that the purchasing of expensive beverages, DVDs, and video games was put at a higher priority than paying off the debt. The girl thought she was taking a second job to pay down debt, but in reality her second job was to pay for wine, DVDs, and video games. 