<prompt> Human: Ok. I feel like weve dug ourselves into a hole that we are never going to get out of. My husband and I used to have 80k in savings with almost no debt. Now, a few years later, a few cars later, a wedding later, a couple houses later, and kid later...we are down to 2k in savings and around 500-3k in checking depending on the time of month. Yes, I understand we should have paid off our loans when we had the money, but at that point we only had our student loans, and we didnt understand LIFE! I feel like we are throwing all our money toward our debts and not getting anywhere. Ive considered taking out a consolidation loan, doing shit with our mortgage, cashing out our cars, paying on our credit card, even selling our house and moving into an apartment and throwing the extra cash each month at our debts...but jesus, even a 2 bedroom apartment is 1500 a month? Ive looked into it all... but I DONT UNDERSTAND. Debt breakdown:Mortgage: 205,701.76 with at 1,700.58 payment 3.75 interestSubaru: with a 293.02 payment unknown interest with a balance of 13,530.46.Mazda: 10,691.99 with a 243.37 payment 4.49 interestMy student loans: 7,472.32 with a 98.48 payment for the next two years. Then it goes to 127 for following two years. Then 166 for remainder 68 payments left Interest is all over the place with the separate loans but two of them are 6.8 and the other 2 are 4somethingHusbands student loans: 114.86 payment 4.5 IR and a remainder of 6,886.91.2nd student loan company: 52.86 payment with a 1,485.18 balance a 4.510 variable interestCredit card: Payment is anywhere between 120-135. The interest rate doesnt seem fixed cause it fluctuates every month. Balance is 6886.57. We have a limit of 11,500 on that card. We do have a second card open but no balance. Care credit: Payment is around 43 dollars with a 402.95 balance. Exact interest rate is unknown,but DH says its about 2 dollars a month.Other bills:Daycare: 727Cellphones: 146Insurance: 103Grocery: 400Gasoline: 200Internet: 40Gas: 30Electric: 60Netflix: 8Garbage: 69 every 3 monthsWater: 32Husband income: 3,526.52My income: 1,500What do I do? Wait it out and stop being an impatient bitch? I want a second child, but at this point I cannot stop working. I want to take my kid to Disney World, but HAHAHA. Help? I miss the life where we could have fun without feeling guilty or risking our monthly payments.Assistant: throwing the extra cash each month at our debtsTo be clear, you should only pay the minimums on all of your debt except the CC. Throw all extra cash there.Human: Thank you. I will look into that. Is there a specific reason it should go toward the credit card?  <response>: The interest rates are exponentially higher. Youre paying 16-29 interest compared to very little interest on carsmortgage. Get rid of that, pronto. Also its impossible to financially get back on your feet without a budget. One of the most important parts of the budget is knowing the interest rate. You want to put all extra money towards the highest interest rate, with very few exceptions, or you will never get out of debt. The fact that you dont know what your interest rates are is terrifying, and suggests you have not really come to terms with the gravity of the financial task ahead of you. You can easily if slowly get back on your feet and do fine in the future because youre still a few hundred in the black every month at this point, but you need-need-need to understand what your financial commitments are or youll never get there. 