<prompt> Human: Hello PF, to get straight to the point, my spouse and I have expressed to each other that we need to take control of our finances before it gets any worse. We have a baby on the way and would like to ensure we can provide a better life for our child. It sucks that we are in this position, but at least were on the same page about tackling our debts together.x200B;Some background info: We live in Southern California Moved back to my parents house Spouse is currently getting her Masters 1 year left We both have full-time jobs Cars are paid off 99k in debt 35k student loans, 13k personal loan, 50k CC debt 1k in savings Credit scores are 650s and 700s good standing with each line but high credit usageIncomeMonthly AmountNotes:-:-:-:-Spouse4,500Net Paid MonthlyMe2,6001,300 Net Paid Bi-Weekly; After 4 Contribution to 401k which company matches for ExpensesRent500Cell Phone1302 Finance Payments leftCar Insurance200Gas550Term Life Insurance60Groceries and Household Items100-300Is this too much for 2 people in Southern California?Gym120Spotify5Personal Care200Haircut, nails, andor massages I put aside each month. Some months we only spend 100. Some we spend 200 whats left overCredit Cards LOC Personal LoanMinimum PaymentBalance RateCredit Card 1805,400 12.70Credit Card 250017,900 17.99Credit Card 340016,000 12.99Line of Credit23511,000 10.99Personal Loan427.6213,000 8.70Student LoansAll rates are fixed and are govt loansFall 2013 Subsidized60.235,755 3.86Fall 2013 Unsubsidized30.132,909 3.86Summer 2014 Unsubsidized23.582,276 3.86Spring 2015 Subsidized56.295,235 4.66Spring 2015 Unsubsidized55.865,195 4.66Fall 2016 Subsidized57.425,566 3.76Fall 2016 Unsubsidized76.027,368.12 3.76AllowancesSpouse500Work lunch Clothing Going out without partnerMe350EntertainmentTakeout Restaurants300-600Im aware this is high. This has been one of the hardest habits to attempt to breakAlcohol0-50Events etc.100-400I put down a range without giving it much thought. Could be something as simple as movie tickets to pot lucks to seasonal eventsx200B;Our short-term goals are to get a better grasp of our finances, trimming what can be trimmed, but also budgeting for certain events that we want to prioritize.Our long-term goals are to be debt-free, to save up for our next vehicle and have the ability to pay in cash, to hopefully buy our first home, and to start investing. Does it make sense to focus on the revolving lines first? Should we pay off a few of the student loans first, since some have pretty small balances?  <response>: 50K in credit card debt is a straight up hair on fire emergency. No going out, no name brand cereal, no Netflix. You are not saving up for a vehicle, buying a home or investing anything. You are digging out of a giant hole, and you are completely broke.I dont even know how you got that far, if your not frivolous expenses are accurate, they seem pretty reasonable. Theres obviously a TON of spending you are missing. Might look into Mint, to make sure your words match your actions. I might even stop the 401K for a while, while it is this bad.You have practically no rent or expenses, you can do this. But you are completely broke until those credit cards are gone.Its not like this is a surprise. a 13K personal loan is a huge, expensive step. You have obviously been spending way over your means for a long time. 