<prompt> Human: What happens when you cant pay everything? I know that were nearly maxing out a lot of credit cards and that theres probably a lot of extra expenses. I know that I can try and convince my dad to help us out a bit. I know theres a ton of frivolous spending, probably. What information do I need to gather to get a plan from yall of minimizing expenses and maximizing income? Dont worry about my FIRE plan. Im about to go to college, Ive got that plan laid out mostly. Im just trying to figure out how this household is going to survive. I just know this cant last much longer.EDIT: To be clear, Im the 17 year old son, with a twin 17 year old sister, and these are my moms finances. To that effect, theyre also my finances for another 8 months until we go to college. Income with overtime: 3,100monthExpenses: Any unspecified interest assumed to be 25Morgtage: 720month Owe 54,000 Interest 4.5Car Loan: 447month Owe 7,000Personal Loan: 400month Owe 11,000Auto Insurance: 369month Constant ExpenseCar Loan 2: 273month Owe 16,000 Interest 7.8Health Insurance: 398month Constant ExpenseElectricity: 150month Constant ExpenseWater Utility, Trash Service: 70month Constant ExpenseGas Utility: 60month Constant ExpenseCar Gas: 90month Constant ExpenseGroceries: 150month Constant Expense TV and Internet: 150month Constant ExpenseCREDIT CARDSAmerican Express: 50month Owe 650Discover: 75month Owe 1,000Capital one 1: 65month Owe 800Macys Credit Card: 100month Owe 1,100CreditOne Mastercard: 50month Owe 500TJ Maxx Card: 50monthHome Depot Card 100month Owe 1,800Walmart Credit Card: 75month Owe 700CapitalOne 2: 100month Owe 2,800Visa: 65month Owe 600CreditOne Visa: 100month Owe 1,800CareCredit: 50month Owe 500Total Monthly Expenses: about 4,157monthAssistant: Youyour family cant afford ANYTHING besides beans and rice and gas to get to work. Thats it. She needs to get every single credit card and cut it up. RIGHT NOW.Those cars are too expensive. Not sure how old you and your sister are, but either you need to help out and pay for the additional car and insurance or get rid of it. Your mom needs to get a cheaper car for herself. Cable TV needs cancelled. Internet needs to be the cheapest possible plan. Check if your household qualifies for food stamps. I calculated a 867 monthly deficit with this current spending. This much has to be cut, plus more because food wasnt listed. Human: Would it be possible to somehow get a loan equal to the total amount of debt about 45k excluding mortgage and constant expenses to pay all the debt off and then just have one monthly payment to worry about?  <response>: Possible, but depends on your moms credit and income. Discover, LendingClub, and SoFi are relatively popular for consolidation loans but smaller banks and credit unions do them too. A 45K personal loan is a large amount however and her income isnt super high. Id expect rates of at least 7 and possibly 15 so it wouldnt make sense to refinance any debt thats lower than that already. Another option is a home equity loan, but this requires enough value in the home. The bank can take the home if the debt goes unpaid so theres a risk there. 