<prompt> Human: My husband and I have never been very good with money and credit... I am much better than he is at managing it. However we both got into this together and I have some of the blame... but I need help. Right now we are managing to pay the minimum payments on everything and nothing more. After that we have a minimal sum of money for the week to spend on our other expenses. What is the best way to even try to start eliminating our debt? And to keep from putting more money onto credit in the meantime? Without a savings we have had to use credit to help in a number of situations where we just havent had the money to pay for something we need... which just further pushes us into the debt hole. Im just about at my breaking point... I dont want to live like this any longer, but I dont know how to get past it when we can barely afford to pay the minimums on things... Any advice would be appreciated.  <response>: If you cant afford to pay much more than the minimums, look into cutting your expenses. If your expenses cant go any lower, youll have to make more money.There is no magical solution. you either spend less, make more, or both. 