<prompt> Human: Well married 6 months back and Im the main breadwinner wife and I agreed on this beforeI have managed to dig myself into a deep financial pit and struggling to stay afloat. Need help!!!Aim: Dig out of debt hole and start saving for houseIncome: about 4.9K per month after taxes. Location NYC.Other sources: none, expecting 10-15K in bonus in Q1Debt:Total card debt: 25K, wife doesnt know. Not that its cheating or anything but She assumed I had this under control and i did not. Now I dont have the heart to tell her that we are in debt.Spend:Rent: 2.3KMandatory family support: 1K dependent sisterHabits: pretty conservative with food. Both wife and I pack lunch for work everyday. Mostly eat homefresh cooked or frozen previouslySplurge:Average 1k a month on self, wife etc at Outlet malls card spend addict Not sure what other information to provide.How do I dig myself out of this hole? What am I doing wrong. Please help  <response>: I think the answer is obvious here. Cut back on the splurge! Have the self discipline for the next 24 months to not splurge and get yourself out of this hole and into a better financial place. With your bonus you can be out of debt within 18 months! I suggest buckling down and doing it! 