<prompt> Human: Hi all. So basically, my wife and I make just over six figures combined for about the last year or so, net income of about 6100month, which fluctuates a little because part of my wifes income is commission based. Due to a combination of overspending, reliance on credit cards I know we were stupid, please dont judge! not sticking to a strict budget, and also some unexpected medical bills, we are completely mired in debt. We have about 13k debt spread over 5 different credit cards; we have a 5 year personal loan of about 3k left; 2 cars both leases; I have 10k student loan debt, she has 50k. We have a 1430month mortgage, and some other assorted medical bills with no interest.I guess my question is, what is the best way to go about resolving this? We have canceled monthly things we dont need i.e. xm radio, unused gym memberships but that only totaled about 50month. I got rid of my expensive Jeep and got a leased car, which is saving us 230month and has double the gas mileage. We stopped going out to eat and are spending very little if anything on personalmaterial stuff. But I guess the problem is here: minimum payments which I know dont get you anywhere of credit cards, personal loans and medical payment plans total about 720month. If you factor in student loans too, that number skyrockets to 1181month on nothing but minimum debt payments! Ye Gods. What else can we do? What is the best way to attack this? Hit the high balances first, or knock out the ones with lower balances to get them down to zero quickly and eliminate the monthly payment? Do it based on interest rate? Should we consider debt consolidation? I have also stopped putting money into savings and 401k not that I was contributing much so we are afloat for now. In a sunny day scenario, we should have 800-1,000 left every month after ALL expenses, minimums, groceries, etc. But it never seems to work out that way. All of this debt is creating a lot of stress so anyones thoughts or advice would be greatly appreciated. Thanks for reading this wall of text.Edit: Greatly appreciate all the feedback! Added the full expense list reply up front so all the helpful people dont have to go looking for it- Car payments both combined: 593 car insurance: 160 combined CableInternetPhone: 111 Electric: 120 estimate GasHeat: 40 goes up in the winter obviously My student loan: 127 Her student loan: 335 Medical bill: 150 WaterSewer: 84 billed quarterly Mortgage: 1435 Cell phones: 167 canceling would hit us with a huge ETF Exterminator: 45 billed quarterly.. we have bug issues, its an old house Owe taxes: 70 Poland Spring: 35 Groceries: 400 estimate Gas: 200 should be less now with the new car Medicine: 30 Pet expenses: 75-100 1 dog Spending Money: 100 combined Additional medical non recurring: 180 Total: 4,469 Credit CardsOther Loans: Amex: 864 14 Capital One: 4500 9 Citi: 3300 0 0 expires in January Kohls: 1500 14 Other Citi card: 2950 10 HVFCU Personal Loan: 3000 12 Total if minimums paid: 570 Overall Total: 5,039 Income total: 6,100Assistant: Step 1 Create a list of all of your monthly expenses. ALL of them car payments, insurance, groceries, utilities, phone, internet, EVERYTHING. Estimate as little as possible. List here.Step 2 List every unit of debt you have individually cost AND interest rate eg credit card 1: 1000 owed at 12. List Here.Step 3 Cancel all services you cant afford and replace them with cheaperfree alternatives. By listing everything and getting some input on alternative options from other people you can figure out what expenses are necessary and which are not.Step 4 Tackle debt. Generally done by throwing as much money as you can afford to at the expense with the highest interest rate.Do you have an emergency fund?Alternatively you can figure out a way to increase your income, but since you guys are already pulling in 6 figures and are still dealing with crippling debt issues, then I would focus on cutting expenses.Realizing that you need to deal with your debt and posting on this sub is a good first step!Human: Thanks for the quick reply. Here goes: Car payments both combined: 593 car insurance: 160 combined CableInternetPhone: 111 Electric: 120 estimate GasHeat: 40 goes up in the winter obviously My student loan: 127 Her student loan: 335 Medical bill: 150 WaterSewer: 84 billed quarterly Mortgage: 1435 Cell phones: 167 canceling would hit us with a huge ETF Exterminator: 45 billed quarterly.. we have bug issues, its an old house Owe taxes: 70 Poland Spring: 35 Groceries: 400 estimate Gas: 200 should be less now with the new car Medicine: 30 Pet expenses: 75-100 1 dog Spending Money: 100 combined Additional medical non recurring: 180 Total: 4,469Credit CardsOther Loans: Amex: 864 14 Capital One: 4500 9 Citi: 3300 0 0 expires in January Kohls: 1500 14 Other Citi card: 2950 10 HVFCU Personal Loan: 3000 12Total if minimums paid: 570Overall Total: 5,039Income total: 6,100The total of expenses is for this month only though.. in the last 2 weeks weve created a budgetand canceled or reduced about 300month worth. So if you were to look in May itd be a lot worse.Hopefully I didnt leave out too much.We did have an emergency fund of about 3k, but Ive transfered most of that to our checking. My wife gets paid tomorrow but as of right now we have like 5500 to our name. She is considering getting a second job.Edit: Formatting.  <response>: Poland Spring: 35 Theres one you probably dont need. Also, you may not be able to cancel your cell phones, but you can probably get lower cost plans with no penalty. Might be wise to check it out.Technically the best option is to pay down the highest interest first. But Id pay down the 0 til January first dont let interest accrue on it at all, then knock out anything you can take care of in 1-2 payments, then go with the highest percentage rate loan. Itll make you feel good, and make it easier to plan for with less payments you have to plan for each month. 