<prompt> Human: Hello - First time posting here. Im 35, married, two kids 1.5yrs and 3.5yrs. My wife and I have accumulated an enormous amount of debt and were having the coming to jesus moment where we want to take care of it once and for all and change our spending habits. My salary 150k and I work from home. My wife is a part time realtor but income is very inconsistent as she mostly watches our kids when they arent in parents day out but on average she makes 15-25kyr.x200B;Below is a summary of our financial situation. Note: We currently have no savings. x200B;Credit CardsBalanceRateAvail CreditPayment:-:-:-:-15,731818.9912,5063365,17117.499,3281317,76319.7443617911,60517.244,5942696,68419.991,0151909,73719.652,26225556,7001,360x200B;Other Debtx200B;TypeBalanceRatePayment:-:-:-:-Car Loan47,0003770Mortgage438,0004.355.75 two loans3,400My Student Loans42,0006.8935 3.5 yrs left to pay offWifes Student Loans12,0006.8 I think159x200B;The good news: We are selling our house to eliminate our enourmous mortgage payment. We will net approx. 70k from the sale. We will be renting a house from a relative for 1,750mo; however, ultimately we will be moving to Tennessee from Texas so ideally we want to find another house there, cheaper than here. Note: My credit score is currently 680.x200B;What Im looking for: With the 70k proceeds from my house, what debt should I focus on paying off? Does it make sense to pay off all CC debt, leaving us with little cash for a new house and force us to save over time to get a down payment? Or pay off some of the CC debt and leave some money for a new home? How much can I spend on a home, assuming I live in a zero income tax state? My take home is around 8,200mo Tips on budgeting including apps or systems that help change our mindset about money. I know my income is good but we want to be smarter in how we spend. The challenge is that theres always things that come up that feels like its hard to budget for unexpected things Any other sage wisdom or guidance for my situation so we dont get into this situation again Thanks for reading!!!x200B;  <response>: Not to be harsh but it seems youre in a house you cant afford and driving a vehicle you cant afford. 