<prompt> Human: Hi guys, I need some helpadvice.As it says in the title I am 27 have 3 kids and am married. I make 85k a year before tax so it comes to like 2500 a fortnight in NET. My wife has an income of about 500 a fortnight NET so in total 3K. I had to change jobs due to redundancy 6 months ago and have taken a slight pay hit. Not much maybe 150 a week tops. But just after changing jobs took a holiday I needed it that cost me more than anticipated and on returning my car died and had to buy another. I burnt through all the cash I had left over and made more debt. I now have 5 individual debts totaling 42K with various interest rates with a minimum repayment across the board of 1400. I am absolutely drowning and cant see the light at the end of the tunnel.So I spoke to my bank as they were offering me an insanely low rate on a consolidated personal loan of 5.25 and over 5 years this would have made my repayments 800 which is a HUGE reduction and would have helped me catch my breath but have just got news that I am ineligible because of a few missed payments in the last 6 months. They want to see 6 months of clear credit history before they will revisit.The issue is I dont know that I can keep one for the next 6 months with the way I am going. I am not sure what to do and dont know enough about this stuff to make my next move. I turn to you reddit for help.Edit as a request for more info:Other expenses include the following.Rent - 2000monthGroceries - 1000monthUtilities - 600monthCars - 400monthThey are the main things I can think of right now. Very rounded off of course but very close.EDIT 2:Been getting some great advice and am feeling a lot better today after a good hard think about ways I can improve spending. But just remember I am in Australia and some of the advice doesnt apply. Also 1000 a month for groceries with 3 growing boys 1 of which is going through puberty is actually a bare minimum. My wife is great at making cheap food seem more exciting.I looked into YNAB which seems awesome but doesnt do bank feeds for Aussie banks. Looked and found PocketBook which for the most part seems to do mostly the same things but with Aussie bank feeds which I will try out for now. Its also free which is another bonus. It seems that I have been very unaware of what was costing me the most money each week and eating out was destroying us. Like some have mentioned convenience is a luxury I cant afford right now. Making sandwiches before heading out on a day trip might be the better option rather than finding something once already out.Please keep the advice coming. But for those that offer one line answers like Stop having kids. Please stop being ignorant, you have no idea my circumstances pertaining to that part of my life.  <response>: There is a lot of good advice being offered in this post, but one thing that I had to come to terms with in realising what my debt position was and REALLY getting into the frame of mind to start paying it off seriously was a bit of humility and a reality check as to my spending habits. I was a shopping addict and loved buying fast fashion and frivilous pleasures, especially when I felt depressed. It was the main cause of me, at my worst, ending up almost -20k in debt.You might not like this pointed out but your post history speaks volumes as to what you have been spending your money on while youve been accumulating this debt. High end computer systems, golf clubs? These dont speak to responsible spending. I know its embarrassing, Ive been there too. But if you want to keep moving forward you need to understand that you are in a critical position for yourself and your family where for the moment, those pleasures are not a necessity anymore. You might even benefit from selling some of these things for now to get a cash injection so you can keep make your payments. There is no reason why you should have a debt this high even with a dead car unless you have been spending like you are earning much more than you are.Get an app to track your spending and sync your bank accounts to it - I use Pocketsmith, but Pocketbook is free. See the true percentages of where your money is going each month outside of your necessities. Thats the first step you need to working out how to dig yourself out of this hole. 