<prompt> Human: This is a throwaway account.. I just dont know what to do at this moment.My wife and I live in Idaho, own a home and we are simply unhappy, we need a change of pace and we are stuck in a rut.Weve owned our home for 2 years now, and according to Zillow the home has increased in value, but we havent got appraised since we moved in, so we have no real way to tell.At this time we are living paycheck to paycheck, she makes 13hr, I make 16hr.. we have no savings, retirement or any other spare money to tap into. I have my AAS for machining, and she has a certificate for dental assisting.x200B;Right now we owe just over 133k on the home.Our credit card debt adds up to just under 24k, spread out over 6 cards, all of which are accruing interest.We have 2 car loans, one of which is for 6k that we may be able to break even on if I sell the car. The other is about 23k and there is no way we break even if we sell that one.I also have an extra vehicle I should be able to sell to maybe net about 5k if Im lucky its a modified Jeep Cherokeex200B;Our typical monthly expenses are as followsMortgage: 800moSewerWaterGarbage: 80moElectric: 104moInternet: 115moGroceries: 400moNatural Gas for Home: 36mo Car Payments: 575moCar Insurance: 200moCar Gas: 120moCell Phones: 230moHealth Insurance: 141moGym: 40moTotal Expenses work out to about 2850 a month, anything we make more than that usually goes to minimum payments on all of our cards and covering any under-budgeting we may have done or just personal spending like going out to eat, which we dont do often. Basically, I am just trying to get advice on the first steps we can start taking to hopefully sell our home, and move to another state, and get new jobs. Ive been looking into chapter 7 bankruptcy as a possibility, to erase our debts.. but at the same time I may just be able to sell our house and pay everything off, and I think we may make too much money.Please post up if youve been in a similar situation and what you did to get out of it, or if you have any advice.. Im an open book so if you have any questions about our current situation please feel free to askx200B;x200B;  <response>: It would be a crying shame to declare bankruptcy over so little debt. You just need more income. Are you both working full time? Sounds like its time for second jobs or overtime or what you need to do. Sell the extra car and get some more income. 