<prompt> Human: Im new here. Here is my situation. Im 25 have have a wife and 2 girls. Looking for the best way to navigate this hole Im in. My credit score is a 580 I owe on 2 credit cards 1 is only 200 paying that off Friday the other is a home depot card I owe 1200. I have financed a motorcycle and owe 9000 on it with the trade in value only being 4000. My goal is to get another car for me and my wife. She currently doesnt work but plans to start in the near future. I make about 30hr and can work about as much OT as I want . Any advice here would be great.  <response>: Honestly doing a month of hard overtime would get you in a very stable spot. You can either drag out doing an extra hour every day, or you can just work a ton for a few weeks and be done with most of these issues by next month. It would give you at the very least two paid off credit cards, and a down payment for your wifes car. With that said, it might do you some good to listen to Dave Ramsay. I dont typically like the guy that much, but hes good at helping out people with spending issues, which it sounds like you have. 