<prompt> Human: Hello PF!I have found myself with a little bit over 30k in Credit card debt and lately I have been struggling to keep up with the payments. I dont know what to do to tackle this beast and am afraid I wont be able to.I dont have an excuse for what I did, I was depressed and had some bad things running through my mind at the time and I sincerely want to get back on the horse and fix my issue but I am afraid it might be too late. I dont want to file for bankruptcy as that would affect my chances of getting a job in the future and possible affect my current job.I am married and together we make a little bit over 110k a year. I would like to break down my income and see if anyone can help me figure out a way to deal with all of this.As a side note, I am not behind on any of the payments, the problem I am having is that I dont see it making much of a difference in the month to month.Here is the breakdown:Salaries Me: 44kyearI also drive for uber and manage to make: 15kyear as a part time driver.Wife: 50kyearWife also has a child support case against the dad of one of our kids which should be 1k a month but that is not always paid and so we dont rely on that Before anyone goes to say Well, the child support shouldnt be used for anything else other than the kid yes, I hear you, we make sure that these kids have everything they need, no one is going hungry on our house and the expenses are paid for. This is what we signed up for and this is what we will deal with. The money doesnt always come, but when it does it helps pay for things in the house.Expenses:Mortgage: 2,140MonthCar: 200MonthCell: 130Month 4 lines Which surprisingly get usedBabysitter: 1,000Month Which should be done next year as my son would start going to schoolWe also dont have any family members who could watch him for freeInsurance: 170Month 2 carsElectricity: 120MonthGas: 70-90MonthWater: 260-320Every 3 monthsFood: 150-220 a weekGas for me: 200 a monthGas for her: 100 a month 4850 a monthFrom our main jobs we make 5,300 a month which helps cover for the payments on everything we have.Then I drive for uber and I manage to make an extra 800-1100Month. Some months I make more.Uber really depends on how much I actually drive and how much I am out there. Lately, I have been driving so much that I literally fell asleep on the wheel for about 3 or 4 seconds and woke up scared and disoriented doing 60mph on the highway.So, on to the credit card debt:The total accumulates to 570Month on all my ccs which I pay for driving with uber. I dont rely on my main jobs income to pay for any of my debts on credit cards, I always give that money to my wife to pay for things at home and if we are short for whatever reason then I use the extra money I made driving for uber to compensate.Our house has around 60-70k on equity which I am not sure if I should use to pay off my debts. I am also sure that if I keep working and paying things the way I have been, I will eventually be done paying everything off but I was hoping to see if anyone else had any other ideas or thoughts that I could use to pay off my debt sooner. I am struggling, mentally, physically and even my marriage has suffered due to my mistakes. I love my wife, and I love all my kids so I dont want to hurt them any longer. I dont want this to be the end of me. Lately Ive been thinking that maybe it would be easier for me to suddenly drop dead and leave them with the insurance money but I am afraid of all the crap that will follow that which will not affect me but them.Is not something that I would do, but lately, it comes back to my mind and once again, everything comes rushing to my mind, all the money I owe, and all the problems Ive caused, and I start to think that this would just be a quick way out. I dont want to think like that anymore.So if anyone has any tips or ideas, I would really appreciate some help.Sorry for the long post.TL;DR: I have 30k debt, we make: 110kyear, 4800 Monthly expenses 570Month on cc.  <response>: Things dont add up to me. I think youre a prime candidate to write down every single penny spent for a month. Then go back and find the glaringly obvious things that are draining your money. Maybe the 2 of you are spending 12 a day at Starbucks...I dont know. If you find the big drains, plug them.I dont know what else. The Uber money should be helping. Remember that youre going to have to pay both sides of social security and medicare taxes plus income taxes. Have good records of mileage so you can deduct those to hopefully make the income tax bill disappear...but SS and Medicare are there and are double because youre self employed.Figure out how in the world you got to 30k in cc debt. If you bought crap, bring it back for a refund. With that kind of debt, the answer to any question whether or not it should go back is...can you afford it? With 30k in debt, I dont care if its a new fork. You cant afford it. 