<prompt> Human: Hey guys! My wife and i have recently decided to have a baby! First though, we want to get rid of all of our credit card debts. Im a fire fighter for a large city, which of course means my pay is rough. During academy we had to use a lot of credit cards to get by with the low pay. Were basically each tackling our own half, which is fine because it fairly similar on each side. For my side, i have 3 credit cards amounting to about 12,000 dollars. One is capital one, next it BOA, and one is through my fire fighter based credit union. The CO card has the worst interest rate, so im hitting that first. Our game plan now is to put as much towards that one as possible every month, and minimum on all others. For my income its toughly 1200 bi weekly. We own our house with a mortgage of about 1200 as well, so 600 a month for me. My truck is paid off completely. Insurance 70 a month. Utilities add up to about 150 for my half. Minimums on the other two cards are about 200 each. Weve gotten most of our excess spending reduced or eliminated, including budgeting food, gas, dog stuff etc. Im also able to basically take another firemans shift roughly once a week for 225 cash. Also every tour so once a week its 20 for shift food, or 10 for every full day, including when i take shifts. As of now were looking like i can pay 700 a month to the first credit card every month, not including the extra shifts that will go towards that. Is there anything else i can consider doing? Sorry if im missing any other crucial information. Thank you!Edit: BOA is 4330 with a variable rate of 20.9 yikes. Capital one is 3570 at 23.9 variable. Ff credit union 4466, and the rate is hard for me to find apparently because there app is sub par, but i know it is significantly lower. Assistant: If your income is 2400month, I dont see how you can make it on a 1200mo mortgage. To get more helpful advice, it would help to actually list out your budget, because this is hard to follow. I guess you are in debt also? Amounts and interest rates matter, not minimums.Human: The 1200 is total, so its only 600 for me. As for interest rates ill look it up now. Thanks for the response!  <response>: If you are married, there is no my half. You are a unit and need to have combined financial goals. This might not mean combined accounts, but it does mean combined budgeting. 