<prompt> Human: Long story short, my wife and I are terrible with money and have been reckless spenders for a long time. For the first time ever, we are on the same page about getting our debt under control and budgeting for the present and future. Here are what I believe are the relevant details, but ask me anything: Between us we have 9 open credit cards with approximately 30k in debt. Minimum monthly payment combined is 1210. APRs vary from 13-30 We have a mortgage 990mo plus 245 condo fees and 1 car payment 300mo 63mo ins CableInternet 115 Electric 140 We also have 70mo in subscriptions currently which will be cancelled. We will also be cancelling cable, but need internet for work. Not sure what that final number will look like yet. ...that doesnt even include food for the 5 of us 3 kids from ages 3-7, gas, or anything else. I make 62k take home is about 1500 every other week and my wife is a stay-at-home mom, but has a side job that brings in about 140 a week during the school year, and 250 during the summer. I do have a 401k, but we have no savings. HSA account has a few grand for anything other than a major medical expense. Things look bleak...in 4 years when all 3 of my kids are in school full time, shell be able to get a full time job, and things will begin to look up, but we need to make changes now and at the very least tread water instead of drowning...Id like to chip away, but I dont know how. We just got our tax return of 7k, and put it all towards the CC w the largest balance current numbers reflected above. Any suggestions? Assistant: I didnt mention that my individual credit score is actually good, despite all of this 722.33 utilization0 derogatory Marks9 years of credit history99 payment history 290291 on-time payments ...essentially, weve been paying the minimum on all bills on payday, and using credit for anything else we need after running out of cash. ...like I said, reckless.  <response>: If your credit is actually that good, then consider opening a credit card with citi that offers like 18 months of zero interest. Consolidate high interest balances on that card as much as possible and pay as much as you can per month. I consolidated like 5 grand of cc debt into one card. I am about to pay it all off next month. And I will have paid zero dollars in interest while doing so. It has saved me close to 800 in interest so far. It was a game changer 