<prompt> Human: Hi PF, I am trying to start my journey of being debt free, but the more number crunching I do-the more hopeless I become. About 2 years ago I really came to the realization that my wife and I are living beyond our means and just when I start getting the ball rolling to paying down debts, another life experience happens and wipes everything out.This year alone I dealt with a stroke which completely wiped out our emergency fund, we had a newborn and my wife was laid off she quickly found a new job.me:46KYr wife:35KYrMortgageUtilitiescellphoneinternetfoodinsurance:800 per person per month 1600 totalPersonal Loan 1 10360 13.25 459monthPersonal Loan 2 4299 13.75 112monthChase 4778 17.99 150month 110monthBabies R Us 1959 26.99 100monthLowes 983 24.99 80monthArt Van 757 29.99 60monthSears 3665 23.24 145monthBarclaycard 1704 22.99 42monthCar Loan 3982 4.59 269monthChild support 768monthI plan on going to school full time this spring and I will get a stipend of 2000month from Feb-May totaling 8,000. I would like to replenish my emergency fund...because now its zero, however 8K would make a big dent in the larger bills and free up some cash.I was considering looking for a higher paying full time position but my current job is 9 miles from my home, make my own hours, and very flexible..honestly for a 15 increase it might not be justifiable to especially considering I will be receiving a stipend of 8K. I am also considering a part-time evening position to help pay off this debt, but that means less time with the wife and newborn, honestly this might have to happen anyway since we do not have child care ironed out as of yet.I feel stuck.EDITWow-jumped on a computer and noticed the formatting horror thanks ujackal858Also I noticed that I separated my mortgage from my 800 per person - this is incorrect, mortgage is included in that figure. I will have to take a look at my spreadsheet when I get home to break it down.  <response>: me:46KYr wife:35KYrSo together, you bring home somewhere around 4900month after taxesbenefitsetc? Please correct me if Im wrong.All of your expenses and minimum debt repayments only come out to 3745month. While I agree you have a serious debt problem, its not going to be solved without solving another first:You and your wife are spending 1155 every month and you dont even know where its going! MortgageUtilitiescellphoneinternetfoodinsurance:800 per person per month 1600 totalYou definitely need to break this down. Also, separate food into groceries and eating out. rpf is really good at showing you where you can cut back to save some money.Once you get all of that figured out, you need to shovel any and all extra money you have towards your debts in order of interest rate, highest to lowest. Art Van 757 29.99 60monthSeriously. This balance is less than the money youre not keeping track of. You can pay this off with your next paycheck. Please do. 