<prompt> Human: We live in NYC, rent is 2K month. Salary for me is 110K, wife is 0. She is a student and will soon make small income in an admin capacity. Debt is spread across a bunch of credit cards and was incurred mainly due to our wedding and debt she had incurred due to bad spending habits from anxiety. After mutual agreement, I now control all of the cards. Personal spending habits: We order in every night, average cost is 20 total Coned is around 200 Cable, Internet, 150 We dont really spend much outside of this. I am looking for the best approach to resolve the debt. My first thought was some sort of consolidation. The sheer is very overwhelming.The cards on average are about 20 interest but I balance transferred to one with 5 interest for 6 months for 7K. The main debt is through chase at 20 -- roughly 23K. Rest is AMEX.We are 28 and 27 respectively.  <response>: Start with buying groceries. Right now you are spending three weeks worth of groceries on ordering out every week. 