<prompt> Human: Good morning everyone. Just posting to see if anyone has any tips other than slowly paying everything off.I make around 60k a year and my wife makes around 40 but will make 46k next year after her automatic promotion.We have a ton of debt. We both had Credit scores in the 700s last year but we are going downhill fast. My dad was diagnosed with colon cancer and was no longer able to work for two years before his death this past July at age 49. My mom was a stay at home mom and they were struggling so i took out two personal loans totaling 35k to help them out. Then my wife 26 got pregnant and didnt work for the first six months of my sons life which was great for our family but horrible for our finances as i didnt make enough to cover all our bills so i reported to Credit cards to keep us afloat. She just got her new job in June and it has helped but we are in deep trouble. We have three credit cards, one we owe 8k, one 7k and the other 3.5k. Personal loans totaling 35k, mortgage is 710 a month. Car payments totaling 700 per month. We dont have cable tv, just internet and hulunetflix totaling 65 a month. I work midnights and she works daytime and we both commute about 80 miles each day which comes to about 325 in gas a month not including any other travel. Daycare usually two days a week totaling 90 per week. All other utilities and insurances total about 350 per month plus 130 for cell phones. Id love to drop my car payment of 420 but Im underwater on the loan by about 4k so Im not sure it makes sense to get rid of it yet.We already had both cars before helping out my parents with the personal loans and then having my son, which we dont regret whatsoever hes been a blessing. Do you all have any tips or just budget and chip away? Thank you!Edit: the personal loans are 12 percent interest...i didnt have much choice at the time.Edit again: thank you all for your help Im currently trying to get back to everyone that private messaged me! I hope to have our finances squared away within three years... Thank you all again.Assistant: Is there anyway to have your mother move in or you move to your mothers home to help save toward paying down your debt? Youd maybe be able to help each other out financially from your situations as well as possible daycare costs if you have three people who love your child under one roof.Not sure if shes renting or owns but you can either sell, make rental income or save money by your mother not having to pay rent every month.Human: Shes living with her brother now to keep her job at kmart. They were owning a home but she cant afford it now so the bank is going to take it.Assistant: Do you have room to move her in? Id offer it up and see if shed be willing to help out on the mortgage and daycare.Human: Yes we do have one small room but she feels strongly like she would be a burden.  <response>: Shes already been a burden to put it bluntly, considering the amount of debt you went into to help her out. Moving in with you and helping you with your mortgage so you can pay down your debts would be the opposite. 