<prompt> Human: I make 42,500yr that is including a new 10 raise that goes into effect on my next pay period, my wife makes 36,000. Between 9 credit cards, we owe just short of 24K I know, Im so mad I let myself get this out of hand. I owe 11K on my car which is only worth 7,800, and my wifes car is leased at 500month. No student loans - neither of us has a degree. We have absolutely no savings.In our budget, the minimum payments on the above creditloanlease equate to over one-third of our monthly take-home pay. We dont eat out, we dont buy stuff we dont need alcohol, clothes, video games, none of that kinda stuff. We just dont seem able to find the cash to throw at the debt and get on our feet. I know the raise will help, but I feel like its not enough.What frustrates me the most is that our combined salaries place us in a fairly enviable position for a lot Americans, but we cant enjoy where we are because we made way too many stupid decisions with credit cards in the first couple years of our relationship and are struggling month-to-month just to stay afloat.And next year, Ill age out of my parents health insurance. I dont know how were going to get above the water enough to afford health insurance - which would put us in a relatively similar situation as now.It all comes down to, I feel like were doing everything right, but were still being dragged down and cant get a hold on the debt. Ive been too proud for too long - I need help, advice, whatever you have to offer.  <response>: I owe 11K on my car which is only worth 7,800, and my wifes car is leased at 500monthI think we found the source of the problems. 500 lease? Whats she driving a beemer? Perfect example of someone trying to keep up with the joneses. Wants to look rich but is broke. How about getting rid of the car? Maybe even getting rid of yours. 