<prompt> Human: Ive lurked this sub for a bit, created a throwaway because I dont really want my friends knowing my finances :Prior to marriage she handled all the bills. Went delinquent on a couple of her CCs without my knowledge, I didnt know she needed help. Ive offered to take the finances over since Im a little better with numbers.Im not sure how to format it but this is where we stand:Combined Total monthly income: 4,158.00Total cash equity - 3,994I dont know the exact interest rate on these cards, not sure how to find this information out. I do know the bottom 3 are pretty low interest.CC - -2,252.93CC - -4,709.78CC - -3,012.58CC - -932.42CC - -585.26CC - -5,037.54CC - -2,797.26Total 19,327.77Here is what I have budgeted for the rest of our bills. The Gaselectric are averages that I can tell from the past 6 months.Mortage - 467CableInternet - 165Combined Car payments and insurance - 664Gas - 100Electric - 100Water - 55Cell phones - 60Groceries - 400Student loans - 270Gas for cars - 270If I copied everything over correctly, above minimums on two cards 250 each that should net to 3,469 for our monthly spending. Netting us with an excess of 689.00.Now weve decided in all of this we dont want to live like were poor. So were not really keen on giving up the internet, I think theres some wiggle room in the grocery bill but not much. Weve taken on some healthy eating and its become kind of expensive. This is the first week weve planned this out, we want to limit our personal spending to 50week each. Wed use this cash to buy anything we need thats not budgeted. If we need clothes, want to go to the zoo, go bowling etc. So thats 400month. This amount may change, and if I dont spend 50week then I dont, and Ill throw that money at a card.Ive already paid off 2 credit cards that were about 900 each that were high interest. Id like to put 2,000 savings, and save 800 to redo our floors since the plan is to sell the house once were in a decent spot and the floors need to be redone.The way I look at it now is we have 289 not accounted for after we give ourselves spending money this will probably change. I didnt budget my OT pay, but its typically about 350month.So with overtime and unaccounted for cash we have excess of 639.00Ive seen great success stories from this sub. Im all ears if anyone out there is willing to offer advice, it would be greatly appreciated.  <response>: I would recommend cutting that 50weekeach discretionary fund. This is far too significant for a household that has 83 of your take home allotted to monthly expenses. I would also not recommend redoing the floor. Your money is best spent elsewhere. Financially, you are getting a better return for your money by paying off CC than you are by upping the resale value of your home. 