<prompt> Human: My wife and I are 26yr old and we have 29k in credit card debt. Our yearly income after taxes is 57,467, we have 4,068.65 in bills monthly including minimums on the CC. We have a budget which I have included a link to for anyone wanting to view. But it seems that its making us live paycheck to paycheck. I dont know how many ways we can re-shuffle our cash to make extra payments towards paying off our CC debt. I get paid on the 15th Last day of the month and my wife gets paid bi-weekly.We are looking into a non-profit debt consolidation service but again I am not sure if thats the way to go either. If anyone has suggestions we would deeply appreciate the input good or bad.Credit Card Info: CC 1 - 15,231.45 20.24 CC 2 - 6,817.41 15.49 CC 3 - 2,553.19 23.15 CC 4 - 1,762.23 19.00 CC 5 - 1,527.94 19.00 CC 6 - 1,494.04 22.24 Link to our budget:Our Budget Google  <response>: Without even looking at the things you could cut back on, your budget says you should have 700 left over each month. Is that accurate? You can use Mint or another similar tool to help you figure out if that is the case. Im going to assume that between cutting back on this and that, and your monthly surplus that you have 300 to put towards your credit card debts each month. Ive plugged your numbers into unbury.us for you feel free to tweak if I got anything wrong.So by paying the minimums, youll be debt free in 8 years and will have paid over 28k in interest. However, if you can consistently find 300 each month, you will be debt free in 4 years and will only have paid 11k in interest. The difference between avalanche and snowball is only 500.And if you can manage to find that full 700 each month, youll be debt free in just over 2 years and will have paid 6.5k in interest.So first again, I would focus on finding where that 700 surplus goes each month and then take steps to make sure you can put 300-700 on your credit card balances each month. That can be from reducing various expenses andor from making more money overtime, second job, etc. Also make sure that you can solve the problem for good; you mentioned that you were the compulsive shopper. Find a way to curb that. As long as it works for you. 