<prompt> Human: EDITED AGAIN TO ADD MORE DETAILS : Total debt : 75kMonthly take home : 10kTwo mortgages : 4200Car payment : 330Utilities electricity : 400Cable internet: 150Security phone : 160Parents: 800Gym extra curricular for the child : 280Housekeeping : 200Grocery gas entertainment : 800Total expense: 7320Balance : 2680 There are 8 credit cards between the two of us that needs to be paid out . There is also around 14k in stock options and 5k in a FSA fund . Tax allowances Mine : 3His : 2 I need some input on this . Are we claiming it right ? Should his be lower ?EDITED TO ADD THE DETAILS . Here is our monthly breakdowns Monthly salary after insurance and 401k payments : 8500.Mortgage payments : 4000Car payment: 350Gym : 200Utilities : 300Housekeeping : 200Cable phone internet: 300Parents : 800Total : 6150. I would say 6500 approx as I am pretty sure I am missing out on stuff. That leaves us with 2000 which is spent in making minimum payments on all the credit cards . Thanks for your suggestions about cutting down on expenses . There are a few things that I cannot change though:1. Mortgage on the second apt : this is under construction and wont be complete till end of 2018. So we cant rent it out as of now although that is the plan eventually .2. Parents support : this is something that I cannot stop . Unfortunately thats part of the culture I come from and they need the support . They are retired and have no other source of income .Me and my husband are both IT engineers and our combined annual income before tax is around 200k. We have one child who goes to public school and we have a mortgage payment on our house which we bought in 2010. On top of this we also bought an apartment in our home country for which we have to make mortgage payments . The total monthly mortgage for both our homes is around 4000 a month . Our biggest concern is our every mounting credit card debts. I currently have about 35k in debt and my husband probably has around the same amount . We started accuring debt in 2012 and have been carrying these around since then. Last year we refinanced our house for a higher amount and paid off some of the credit cards using the extra money . My husband wants to do the same this year but I am concerned that we are just adding on to our woes and not really solving the problem . We have been trying to use cash for all the grocery shopping but after 401k, insurance, sending money home to our parents and all the bills which includes credit card payments we do not have enough to spare every month. We got to this state because we werent contributing enough to the 401k and ended up paying 8k in taxes for few years in a row . Also our salaries were only around 130-140k during 2010- 2013 . We did make changed to our lifestyle like giving up our second car, getting our child out of private school etc. Where should we go from here and how do we tackle this mountain of debt .  <response>: Post exact numbers here. Income, assets, expenses, debts.On 200Kyear, your mortgage should be affordable. That it isnt indicates a pretty bad spending problem somewhere. 