<prompt> Human: So after many months of beating around the bush, it was made clear by my wife of 5 years as of this October that I am solely responsible for our bad financial situation, and how irresponsible I am with my moneydebt. For anyone who truly cares, I would provide some insight into our situation.Growing up, I never really thought too much about debt. I had a Southwestern Bell telephone that I let get charged off, and then my electric service, and cell phone, and etc. I was, and have always been carefree in regards to my debt. I always assumed that if I ignored it, that it would go away. Some of it has, others have not. When I met my wife, she had great credit. She was very proud of her credit score, and worked hard to get it to where it was. Eventually when we moved in together, she had to put everything in her name because I crapped all over my credit and had debt that prevented me from having the electric, phones, or water service in my name. She did it all, putting it in her name. Since the inception of our relationship, this has been pretty much status quo. When we got our new car, it was done in her name. She opened a couple of credit cards under her name, and we kind of got out of hand with them, maxing them out in a few months. Pretty much everything is in my wifes name. Now I fully accept that I am a piece of garbage. I have been taking advantage of the woman that I love, and allowing her to suffer the consequences. I know how much stress this is causing her, and I cant see her like that. I need to do my part, and make this right.Fast forward 10 years to today, and we have been married for 5 years. We have a 7 year old daughter, and we are struggling even more. We still have a lot of credit card debt, medical bills, and we are always paying our bills a month behind. Our car had some mechanical issues, and that put us back 500. When configuring our finances last nite, my wife finally hit a breaking point. She went over everything and noticed a trend. Every bill I have, I rip up and throw away. Its all about out of sight out of mind. No trouble if I dont see it. I have managed to ignore every financial responsibility that I have, like I dont care. But theres that underlying fear that I know something bad is brewing. I know there is trouble. People have gotten crapped on for a lot worse. I dont want it to get to that point. I am a delivery driver, and she is a social worker. She averages around 1100 every two weeks, and I average around 700-1000 every two weeks, the higher being if I obviously had a good two weeks of deliveries which is possible. Her checks come in on the 1st and 15th of every month, and her checks pretty much immediately go towards bills. Since I make cash when I work, we spend my money for casual things like eating out, shopping for groceries and household items, and other things we might need or want to go do. In an effort to try and resolve this, I mentioned the possibility of filing bankruptcy, and she became upset. It is not an option for her. She says its stupid, and it hurts you worse than it helps you. She has always been good about paying what she owes, and takes pride in it. I wish I was like that. I NEED to be more like that. I HAVE to get that mentality if I want to save our marriage. As of tonight I began turning off things we can do without Netflix, Hulu, etc. So far I have saved us 20 as of tonight in monthly costs.I am considering consulting a debt consolidation company in regards to getting myself back on track, but have absolutely no info about whether they are good or bad, and if they are rip offs and such. I took sometime this evening to reflect on my bad habits, and I know I have a problem. My mother is the exact same kind of person I am. When she gets money, it burns a whole in her pocket. My parents just recently filed for bankruptcy themselves. I can tell this has created a huge rift between my wife and I. I dont want to be another statistic. In all honesty, we dont fight or argue at all unless its about money or bills. I want to become a better person financially and own up to my debt, get it paid and get my life financially out of the gutter. I want to have money in my own bank account so when we have car issues, I dont have to scramble and freak out about where I am going to get the money to fix it. I am 33 years old, my wife is 29, we need this to be fixed so we can begin saving our marriage, and prepare for our future.I am willing to provide any information I can to you guys in detail if you are genuinely interested in offering advice, or recommending anything I can do. A few things: We own a house are actively paying a mortgagewe own two vehicles one is paid, other has 1 more year left of paymentsI have credit card debt that I have not paid in 6 monthsWe both have student loans that we are behind on, some of hers are under forbearance to allow us to pay other debt.She has 3 credit cards with debt on it Wal-mart Credit Card, Best Buy Credit Card, and CareCreditWe have various medical bills in our names with outstanding debtWe are a month behind on most of our monthly bills internet, water, electricity, We manage to pay our house and car payments on time every month, because they are the most important things and come out on the 1st and 15th when she is paid.EDIT 1: The amount of responses I awoke to were amazing. There are a lot of great people on this sub and I am overwhelmed with support. Thank you all so much. Now, for those asking, here is a breakdown of our monthly expenses what we currently pay on AVERAGE. The credit card payments for 25.00 are minimum payments. Mortgage: 556.50 Car: 275.00 Care Credit: 32.00 WaterSewage-70.00 Electric-300 Best Buy CC- 25.00 Plaza Tire CC-25.00 Internet-45.00 Walmart CC-25.00 Cell Phone-73.37 Lunch Money for child at school-40 ADT Security System-40 Automobile Insurance-100 we did have Netflix and Hulu but I cancelled those last night saving us 20 a month Gas- 200-300 a month Groceries- 250-300EDIT 2 I am beginning to compile all of our current debt. This may take a while! Please be patient!OUR DEBT Plaza Tire- Total owed is 818.17 INTEREST- Yearly 22.8, Monthly 1.9 Hospital Bill 1-102.50 Hospital Bill 2- 92.07 Radiology Bill- 13.82 Credit Card 1- 412.12 Lab and Pathology Bill- 18.55 Wal-Mart CC- 1,474.49 Interest rate-9.0 apr, we got into a customer assistance program. It ends in October. they tell us they cannot tell us what it will go up to until the program ends. I dont know if I got a lazy worker, or if she was being honest Surgery Bill- 285.30 Hospital Bill 3- 19.52 Imaging Bill medical- 78.63 Anesthesia Bill medical- 47.88 Medical Bill- 177.26 Best Buy CC- 650.29 My Student Loan Debt- 19,567.15 Her Student Loan Debt 1- 17,334.66 Her Student Loan Debt 2- 6642.26 Her Student Loan Debt 3- 26,958.27 Care Credit- 1,105.66 My old bank acct- 175.00So far this is everything I have found, I feel like I am missing one, so I am still going through everything. If I do find anything else, I will update it. Thank you all again. Edit 3: I would like to add that over the summer we paid 135 a week, every week for our daughter to be in daycare. That really hurt us when it came to paying the bills. I just wanted to add that for a perspective since it is no longer in our monthly expenses. Edit 4: Added gas to my monthly expenses Edit 5: Added groceriesEdit 6: I am going to begin to add the interest percentages to our Credit Cards. I have to work at 5pm until 1am this morning. I will get as much updated as possible before then, and will continue when I am off work. Thanks again to everyone. Edit 7: I finally got an answer on the interest rate on the Wal-Mart card. When the program we are currently on ends 9 APR it will shoot up to 27 interest which is insanely high. Edit 8: I made 111 in tips last night, and paid off the three smallest medical bills in her name, and paid our internet bill. I know its insignificant, but I am stoked to make this lifestyle change. I also signed up for and . Both are pretty confusing, but I am trying my best to understand the websites and how they work. I am on the right path, and cant wait to come back to you guys with more good news in the near future! Thank you to everyone who took the time to speak with me, negative and positive!Assistant: Please post a budget of your itemized monthly expenditures.Human: I will do this first thing in the morning. Thank you so much.  <response>: Make a separate post with your budget with as much detail as you can. Have one line of total monthly income, then categorize every bill you have. The more detail the better.You will probably get some harsh feedback but it sounds like you realize the gravity of your situation. Remember, it took you years to get into this mess so it will likely take years to get out. 