<prompt> Human: My husband and I have spent ourselves in a hole. We are finally coming to terms with our self control issues. We bring home about 2,600 a month. However, we have over 20,000 in credit card debt alone. Here is the Credit Card break down;Mazda 1.9 17,120 payment-378.24Best Buy 24.24 1609.28 payment-39.00Amazon 25.99 2268 payment- 85.00Chase 18.24 1400 payment- 40.00Discover 25 3448.19 payment -69.00Citi 1 24.99 2,865.49 payment -77.91Citi 2 21.99 1,437 payment - 21.00NewEgg 25.99 2,488.88 payment- 77.00WalMart 24 3,362 payment - 78.00Old Navy 24.99 1,859 payment - 59.00We have considered taking a loan from our 401k or cashing out the 401k and paying the penalty. We still do not have enough to pay all the debt which does not make these options any kind of smart. There are a plethora of credit card consolidation loans available but we have no idea if they are good options either.Our monthly bills are;House payment- 658Phone- 149Internet - 59Water -50Insurance -130GasElectric - 180YMCA - 40TrashRecycle - 33Petrol and Food - 180We both work full time jobs and we work opposite shifts so we do not have to pay for child care. Thank you for taking time to read this extensive post and any advise offered is much appreciated.  <response>: I am not sure if you understand the level of debt you are in; you are paying about 5,000 per year just in credit card INTEREST. It looks like you must have thousands of dollars in stuff that you immediately need to sell, either online or in a garage sale, for whatever you can get for it and immediately pay down those bills.Your debt is not insurmountable but it will drown you unless you make a huge lifestyle change. Your spending habits are obviously tied into some deeper issue that you think you can shop your way out of; you will need to make it a full buy in from the family to sell sell sell and get everyone on board with ending this downward spiral.Best of luck. 