<prompt> Human: I work full time as well as my spouse, and I make 42k a year and he makes 39k. We have a little over 12k in CC debt and I want to aggressively pay it off before we buy a house in the next year or two. Besides CC debt our monthly expenses are as follows: Rent: 800 Car Loan: 320 USAA Loan: 138 almost paid off Internet: 50 PS4 VueTV: 44.99 Car Insurance: 83 Water: 30 Electric: 120 varies Gas: 30 Trash: 20 401k: 48 Gas for car: 200mo Daycare: 400 Groceries: Varies, usually 300moWe both get paid the 1st and the 15th of each month, I am currently interviewing to try and achieve a higher paying salary. We have health insurance fully covered until March which we will start with one of our employers. I have tried the Dave Ramsey Snow ball method and I just cant seem to bring myself to do it. Interest rates on credit cards are killing us 25-26. Looking to seek some serious advice to get out of debt. The above bills do not include monthly credit card payments. I have tried to get consolidation loans but have had no luck getting approved. One place said they would approve me at 28 interest rate and thats no better than a credit card!TL;DR 12k in debt, want to get out.  <response>: There is no answer besides Spend less than you earn and use the extra to pay off the cards. Which is what Dave Ramsey will tell you too. It is the only serious advice there is. With 2500 in monthly expenses and 5000 in take-home pay, you have some serious leaks and you need to find out where they are and stop them. 