<prompt> Human: My base salary is around 100k a year, and my debt load right now is about 115k. Breakdown is: CC1: 2,000 0 CC2: 2,500 17.9 CC3: 5,000 18.9 CC4: 5,500 15.9 P2P Loan: 5000 12.4 Student Loan: 10,000 Car Loan: 44,000 0 Owed to Parents: 41,000 6 Rent: 500month Phone: 200month Utilities: 150monthShould I look into doing a true debt consolidation loan rather than another P2P loan? It obviously didnt work out and just helped me dig deeper in to debt. Either way, its going to be a couple years of hard living to get out of this. Already planning on selling just about everything that isnt screwed down.Assistant: You have accounted for 850 a month in your budget above. You make 100k a year and probably bring home about 6300 a month. Where the heck is the other 5450 going? You need to find where you are spending that money and STOP doing that.On the upside, with your income, you can get yourself out of debt in a couple of years if you buckle down, stop spending your way to the poor house, and act like a responsible adult.edit: wow, I sound like a jerk, but it sounds like you need a wake up call right about now.Human: Thats a really damn good question. And a wake up call is exactly what this is about. I hemorrhage money constantly. Help a friend out with 100 here, spend 500 on parts for an RC car there, spend 3000 on a pair of binoculars there. I dont look at it until a few months down the road when checking how much credit is available on any specific card.My issue is that the spending problem has been a key part of my life for 20 years now. How does a person stop identifying them self by the the things they own?  <response>: Make a budget at YNAB or Mint and track where you are spending your money. Get your wife on board and stick to it together! Once these frivolous expenses are staring you in the face, it is easy to become accountable to yourself for your spending habits. Once your spending drops, get rid of these debts, starting with the highest interest ones first.No more excuses!!! 