<prompt> Human: Hey PF, lurked for a bit. Thought it was time to make a post and hopefully get some help.My wife and I both have stable, but not luxurious jobs. Between the two of us we take home around 80-90k annually. Over a year ago, our CC debt was starting to stack up. The value of our house had recently skyrocketed so we refid with cash out, enough to pay off all our cards and also give our kitchen a desperately needed remodel. All was well. However, over the course of that remodel throughout the last 18 months, our debt has returned. Its due to a number of issues, some not avoidable had to pay 4k for a new AC unit however mostly due to my poor spending habits. I have recently started realizing all of the stupid things we I spent money on and have made an effort to change, but we still have two cards currently, one sitting at 18k and one at 16k in debt. We have a mortgage 1300, two car payments 750, and basic utilities. Where and how should I start to climb out of this hole? My stress has increased drastically lately because I realize our refi was my get out of debt free card and I blew it.Hopefully this is the right sub for this.Assistant: Post your full budget. Without your full budget we really cant give much in the way of advice. List your full income, where every dollar is currently going, and all debt with what it is, the interest rate, minimum payments, and total amount due. A listing of your assets like your house and any retirement savings is also very useful.A good idea of your credit scores in case refinancing is a good plan would be helpful as well. give our kitchen a desperately needed remodelmy poor spending habitsYou say you recognize that you have poor spending habits, but you still describe a kitchen remodel as desperately needed. There is no such thing as a desperately needed kitchen remodel if you have a functioning kitchen. That is a pure luxury expense. Reworking your attitudes towards things like this will be just as essential as budgeting in not continuing to harm your family financially.Human: Makes sense. My thought was we had the money for the remodel and I had the best intentions to be financially sound afterwards, however, here we are.Mandatory Monthly Payments:Mortgage and HOA - 1467Electric, Water, Cable - 520Medical Prescriptions - 60Insurances - 525Car Payments - 766, both with 4 years left.Monthly Income:Average of 6500mo for since JanuaryCards:Chase - 17k 16.9937;BofA - 20k 14.9937;Other Funds:I have around 8000 in cash savings.Both of our credit scores are around 700 last I checked in February.Thanks in advance. Let me know what else is needed.  <response>: Im seeing over 3,000 a month in that budget for random luxuries, plus the 2,000 a month you slammed on the credit cards to rack up 37,000 of credit card debt in 18 months.Fussing over a 50 cable bill is meaningless when you guys are spending 5000month on frivolous bullshit.Theres no magic trick or savings tip people can give you that will substitute for self-control. Stop wasting your money and pay your debts, then close the credit cards or at least slash the available limit to like 1,000. You shouldnt be putting AC repairs on a credit card, thats what your emergency fund is for. 