<prompt> Human: Been a lurker for awhile thought id throw up my situation because its really starting to mentally weigh me down. Ive been pretty focused the last couple months and eliminated about 4k of CC debt but Im a long ways from out of the woods. Im about to get married in a Month so im going to add my future wifes situations in. Any advice is appreciated. First things first, I got myself into some dumb situations with trading penny stock and a little online poker so thats what started all this, I have rid myself of both for 6 months now so thats one relief. Now on to my situation.-I net 3100 a month from my 55k a year gross. With a 100 5 401k match.-Future Wife will net around 2500 a month.-Bought a repo house and have a 41K remaining balance on it 486.00Mo with 4.5 interest.-Remodeled this repo house with a 40k loan 500Mo at 4.0. Balloon payment of remaining at 5 years.-Our car is 25k remaining at 455.00Mo at 5.5.-I have CC 1 5419 at 11.99 and CC2 3159 at 21.00.-Lastly I have no student loans but she is bringing in 24k average 6.0. 500Mo.Now budget.-Internet 45.00Mo-Food 400Mo-Utilities-120Mo-Fuel-250Mo we both have a decent drive to work.-Misc probably around 300Mo this could vary.-House and car insurance-210MoNow I dont know if I have enough information to get a good idea on how to tackle this or if Im going to be drowning for a long time. I just am looking for any advice right now. I dont have anything worth selling, I dont have any windfalls coming my way, and I got 1k in the bank right now. So where do I go from here. My wife and I can live frugal which we need to work on but I just need some advice on where to laser focus my money and how much I should really be throwing at eliminating my debt. I know the 22 then my other credit card is first but where do I go from there? How do I save anything? Im right there with everyone sick of debt, and Im looking forward to my liberation because there is nothing worse knowing that my next paycheck is going to be gone before it even hits my bank account.Thanks for any advice.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.Your text might contain incorrectly formatted lists. To format a list properly, add a space between the bullet points and list items, and add a blank line before the start of the list.Your text might contain incorrectly formatted lists. To format a list properly, add a space between the bullet points and list items, and add a blank line before the start of the list.--- Been a lurker for awhile thought id throw up my situation because its really starting to mentally weigh me down. Ive been pretty focused the last couple months and eliminated about 4k of CC debt but Im a long ways from out of the woods. Im about to get married in a Month so im going to add my future wifes situations in. Any advice is appreciated. First things first, I got myself into some dumb situations with trading penny stock and a little online poker so thats what started all this, I have rid myself of both for 6 months now so thats one relief. Now on to my situation. - I net 3100 a month from my 55k a year gross. With a 100 5 401k match. - Future Wife will net around 2500 a month. - Bought a repo house and have a 41K remaining balance on it 486.00Mo with 4.5 interest. - Remodeled this repo house with a 40k loan 500Mo at 4.0. Balloon payment of remaining at 5 years. - Our car is 25k remaining at 455.00Mo at 5.5. - I have CC 1 5419 at 11.99 and CC2 3159 at 21.00. - Lastly I have no student loans but she is bringing in 24k average 6.0. 500Mo. Now budget. - Internet 45.00Mo - Food 400Mo - Utilities-120Mo - Fuel-250Mo we both have a decent drive to work. - Misc probably around 300Mo this could vary. - House and car insurance-210Mo Now I dont know if I have enough information to get a good idea on how to tackle this or if Im going to be drowning for a long time. I just am looking for any advice right now. I dont have anything worth selling, I dont have any windfalls coming my way, and I got 1k in the bank right now. So where do I go from here. My wife and I can live frugal which we need to work on but I just need some advice on where to laser focus my money and how much I should really be throwing at eliminating my debt. I know the 22 then my other credit card is first but where do I go from there? How do I save anything? Im right there with everyone sick of debt, and Im looking forward to my liberation because there is nothing worse knowing that my next paycheck is going to be gone before it even hits my bank account. Thanks for any advice. ---I am a bot. Contact pentium4borg with any feedback. 