<prompt> Human: My husband and i are almost 40k in credit card debt, and Im trying to get things paid off, but Im not getting much support from him. He keeps spending and its all dumb shit that adds up - 10-15 for a car wash, 7 a day on vending machine junk, and he spent triple what i set as a budget for Christmas. We have no savings and i can barely make our minimum payments now. I have a pay raise starting on my next check, and I heard something yesterday on the news about most people getting more take-home pay starting in Feb. Is that actually true?Do i put some money in savings first, and then try to apply the extra to debt? Im worried we will just spend the extra money. I want to set a better example for my daughter, so that she can see how finances are supposed to work. And is there any way to get my husband to stop pissing away money? Im open to all suggestions here. EDIT: Thank you for all of the ideas and help!I am borrowing a copy of the Dave Ramsey book, and will switch my husband to a cash only diet. I told him yesterday i would be pulling the cards.I will look at a 0 balance transfer credit card. Even if i can only transfer part of a balance, i think it will still help. Can i cancel the existing cards even if they have a balance? If i do, will that affect my credit score, apr, etc?Edit 2: there have been some comments that our relationship may need some work and be part of the problem. I wont disagree with that at all. I dont think he knows how to access any of the accounts if something did happen to me. He is completely uninterested in money other than what it will buy him. I did suggest cash only for his spending from now on, and if i see more spending, i will try the discretionary separate checking account for him. I threatened to split our finances years ago, and should have followed through. Will do so this time if necessary! Thank you again for your help. I feel more like this is something i can fix, and that there are a few ways to get it done.  <response>: Give him this to read. 