<prompt> Human: Original thread:So, I have been trying to piece together my financial situation and was asked to post an updated list of my incomeexpenses. For bills that are due biannually or quarterly, I totaled them and divided by 12 so I can budget for them monthly. Listed are the absolutes that must be paid.Here it is:Monthly Net Income6,300Monthly ExpensesMortgage:1,144Credit Cards minimum: 1,899Property Taxes:692Car Tax:30Car Insurance:135Gasoline:450 I have an hour commute each way 4 x week and my husband has a 30 minute 5 x weekLife Insurance:67Home Owners Insurance:98U-verse home phone Internet:102ATT Mobile 2 phones: 130Electric:150Netflix: 8School Tuition:900Oil:150 averaged- this month the bill was 650! but in the summer it can be 0Water:150Sewer:77Food household:800Monthly Prescriptions:30Town Water Project:45Total Monthly Expenses:7,057I have been researching 247 on how best to approach this, but Ive been getting no where on my own with the credit card companies since we have NEVER been late on a payment.Even without the school tuition expense- that would leave us with less than 150month extra. I have not included car registration professional yearly license renewal emergency repairs...I have an appointment next week to speak to an attorney for advice- he deals with debt negotiation...among other things.Thank you all for your advice.My husband and I are working on our problems together and are committed to our marriage.I will never allow myself to live in self-deciet again.  <response>: According to the other thread, your home is worth around 350k and you have a 230k mortgage on it. Get the home on the market tomorrow, even if you get 330 for it, youre clearing 100k. Pay off the cards and rent a conservative place until you manage to save up 3-6 months in expenses in an Emergency fund, and THEN save up for a decent downpayment on a new home on top of that. Id also look long and hard at whether you really feel like youre getting 10k worth of annual return on sending your kid to a private school as opposed to public. It isnt child abuse to send your kid to a public school. 