<prompt> Human: Im married, renting a townhome in Ontario wmy wife, no kids. Our combined income is 7500mo and expenses are 3500mo. My current debt is 4000 and wifes is 2600. How do I go about paying down my debt and actually saving? I basically need 5k to be able to bring my balance up to date and save going forward.  <response>: Im not following. If your income is 7500 and your expenses are 3500 you should be able to tackle your combined debt in less than 2 months. 