<prompt> Human: I am subscribed to personal finance but since i have submitted my photos to reddit gets drawn id rather not post to my regular account. I have never posted to PF but i think it is time.SO here goes- my husband and i are both 25 yrs old. married 7 years almost. we have one son born in late 2010. last year he made 90k i think, 0 in savings - we live paycheck to paycheckCurrently our bills are like this. mortgageppi 806 amonth my car 450 month finish 102013 his truck 250 paying his dad for it so no loan finishing 012014 our car insurance 300 monthutilities - light water gas 250 month iphonesipad 300 month - except for occasional overagesthe rest of our money is basically fun. I shop the fun grocery expensive stores and my son has the latest fashions, my son and i are always in playgroup outings and im always driving around, I live in a large metropolitan area and it is not uncommon for me to drive 45 minutes across town. my husband works around the corner from the house he can stay on the same tank of gas all month. me its every couple days. DEBT : we have 2 secured credit cards 300 each. I pay the balance of every two weeks. My husband took out a 4k loan at a furniture store for a friend - he stoped paying 2k in and we owe the balance since its his loan. we didnt know friend stopped paying til it was in charged off in the credit report. we dont talk to said friend anymore. two amex student cards we stopped paying at around age 21 when we were going thru a bad job situation. about 5k maybe 6k after fees. 22 from a bank account that we forgot about - 295 from his old truck. it got totaled and the insurance paid it off but not the 295 but the car loan sent the title to the insurance or something, it was said to be paid off but, out of nowhere it wasnt. that is it.how should i go about this ? should i pay off the debts or let them fall off in 3 or 4 yrs? I would like to pay it off to improve the credit and purchase a new home and maybe have another baby, live in a 2br now.I would get an accountant but really I dont know what to look at in an accountant, are they like lawyers and charge by the hour? I feel like they are for really rich people and they wouldnt want to waste time with us. EDIT1 I have come to realize my husband and i are the WORST financial match EVER... I grew up very spoiled had everything and my husband grew up practically homeless and had nothing. EDIT 2 reading this thru is ridiculous. I have to do better. step 1 i am cutting out clothes, I hate for my son having to wear the same outfits twice ... but that is STUPID . I am quitting the playgroups and just take him to the library storytime although it sucks and is boring we also have yearly memberships to the zoo and kids mueseum I will stick to those and attempt to make friends with other moms there. and i will try and cut our groceries in half. this is alot but I realize no job is secure and if my husband lost his job today wed do these things anyway. I have offered to pay all the old debt even pay extra if theyd just remove it from the credit report but theyre not budging. but I will pay them i mean it cant get any worst i hope, I would like to set a goal to save 36k in 2 yrs. i dont know how i should save it, ill look around the threads here to see. I will ask my husband if his job will split his check and put 33 into an account not linked to our regular spending and see if it helps just not seeing it.  <response>: should i pay off the debts or let them fall off in 3 or 4 yrs?This is why we cant have nice things. 