<prompt> Human: I am married with a little over 8k in credit card debt. Half is from dumb purchases while my husband was laid off, and half is from our wedding. We make good money for our age, and for where we live now-- about 112kyr, no children. Currently renting, paying 1495month. We have gym, cord cutters tv, internet, and music subscriptions. I feel like I SHOULD be able to get this debt under control, but am completely overwhelmed by setting up a plan with a timeline. Any advice?  <response>: you need a budget to track your expenditures. here are some tools: 