<prompt> Human: Hello all:My wife and I have gotten to the point where we have a tremendous amount of credit card debt, and we are finally facing the music. I need advice.Quickly, I will say that for the past 10 years or so, starting as young adults, the more money we made, the more credit card debt we built. For years, I would pay hundreds of dollars a paycheck on my credit cards, but then turn around and put money right back onto those cards.My wife and I are finally taking what I see as the first step in this, which is to not put money on our credit cards anymore. I know that sounds simple, but its a big step for us. We are budgeting an amount each paycheck to pay on credit cards, but then waiting until the end of the paycheck, to make sure we actually have that much money to pay against them. We have only done this successfully for a couple of paychecks in a row we just started, but Im hoping as we move forward this will paint a much more clear picture of what our budget truly is. Ive always kept a budget...we just never stuck to it.Regarding our debt, Im wondering if I need to get some type of consolidation loan, and general advice.Our annual income is about 120kMy credit score is 720We have 27k in credit card debt, ranging from 11 18k all the way up to 25I have 2 kids, a home, and 80k in student loan debt too all wife, if at all relevant. Im seeking advice on how to best attack the credit card debt. Also, I could probably use some advice about building up a savings account while paying off this debt. We have never had more than a few hundred in savings. Emergencies have always gone on the credit cards. Thank you for your time!edit: I should add to this that we were really hoping to sellbuy a new home in the next two years. I bought the home for 185k, I owe 169k, and the zillow estimate which im sure isnt true since it needs repairs is 212k.Assistant: Step 1: Cut up every card. You have proven you cannot responsibly use credit. Dont be ashamed, most people cant.Step 2: Anything you bought with a card that you can return, return. TodayStep 3: Call every company and tell them to freeze your account, and see if you can negotiate any discount on the balance owedStep 4: put every penny of extra income to the cards. Sell shit you dont need. Mow lawnswash carswalk dogs on the weekend for extra cash, and all of it goes to CC debt. SStep 5: Take a deep breath and be happy you did something about this before that balance hit 50k or 75kHuman: Im not mowing yards. Its not that Im above that shit, I did it for years. Its that I have my own home, a job, 2 kids, and I can barely keep my own yard mowed.Additionally, as much as I agree with you about wanting to cut up every single credit card, dont we need to keep one for emergencies? And how do I balance paying off credit cards and building an emergency fund so I truly can cut them all up?  <response>: Help me fix my problems without changing my lifestyle or habits plz 