<prompt> Human: Ok first of all let me say, yes I know Im an idiot. : Now let me explain. We got married at the ripe age of 18 and had our first kid at the age of 22, right around the time I graduated from college. I started working immediately and basically was paying off school loans and living paycheck to paycheck. We now have 4 kids and my wife and I are 33. A lot of bad decisions in the past 11 years but here is where were at today. Currently I am the only one working, and my wife takes care of the house.LiabilitiesExpensesMortgage of 200K, 15 year fixed at 3.625 and 1850 monthly payment that includes prop tax and home owner insurance. This was a recent refinance that I had to dish out about 6K in closing costs to lock into. House is worth about 275K today and rising due to a strong housing market here.Credit card debt of 21K. This consists of 13500 BOA card with 0 until 72016, 3500 Discover card with 0 APR until 112016, and 4000 Citibank card with 0 until 32017. So I currently dont have any interest bearing CCs but these 0 rates are expiring soon.We have 2 vehicles, both LEASED. Total car payments 640mo. Honda van is 365month until 72017 with current buyout of about 27K. Nissan car is 275month until 52018 with current buyout of about 18K.We send 3 of our kids to a private school at a cost of about 1250month plus 1500 yearly for other fees so average 1375mo for schooling. The 4th kid will be going to school next year so this will increase by another 250mo after discounts.GasElectricWaterWaste about 500moCell phones about 100moInternet about 80moCar insurance about 160moGroceriesshopping 1200mo !! Home stuff alarmlawnetc 100moWorth noting that medical, dental, vision insurance for the family costs me about 8500 annually from my paycheck already factored into income below.AssetsIncomeI am making about 6400mo after taxes withholding, medical insurance, etc.As mentioned above 1200 goes directly into an account for my wife to do groceries, shopping and spending money. So that leaves 5200 for bills mentioned above excluding groceriesshopping.About 1500 right now in a savings account, and 21BTC Bitcoins.I dont have any stocks, bonds, mutuals, or anything smart like that.Also I dont contribute to a 401K ya I know, Im stupid.Just typing all of this I can see where we need to clamp down, but my biggest concern is that we have this 21K credit card debt that is currently without any interest and I need an aggressive plan to pay this off and start climbing out of this rut. Any help is greatly appreciated.Assistant: Are the private schools necessary and is there room there to potentially downgrade a bit. I am asking because from the list of bills you have coming out each month, it sounds like you are working to stay afloat and it shouldnt be that way. Since you arent accruing interest on the CCs, your other option is to wait till the btc price jumps back maybe to around 600 and consider cashing those coins to pay the debt off. Considering you mentioned another kid going to private school, you should talk to your partner about potentially switching schools. There are plenty of schools that arent private that will still yield excellent results for your kids and then you could still have cash for their college tuitions x4Human: Yes unfortunately the school is necessary for a couple of reasons. It is a faith based school and something both my wife and I feel strongly about. For private education 1250 for 3 kids is quite cheap. I know its not the best decision financially but we really like the environment this school provides. We would actually downsize the house before pulling them out. I agree about the BTC and kicking myself for not selling when it hit 500 just recently but i dont want to cash out in the 300s if at all possible.  <response>: Can you send your children to some sort of after-schoolweekend classes for religious education? 1250 may be cheap for private school in your area, but its really hard to compete with free when youre struggling with debt. 