<prompt> Human: Im married with a 3 year old daughter. We have credit card debt and some personal loans outstanding from family members that we are slowly paying back. The approximate debt totals are listed below with the debts. Im a high school teacher, but I actually have 3 jobs High School teacher, homebound tutor for students that cant go to school for whatever reason, and deliver pizza on the weekend. and go to school for my Ph.D. My wife also works a day job and watches our daughter at night when Im at school... or while I tutor on the side during the week or deliver pizza on the weekend. My wifes income pretty much JUST covers her bills, which for ease, Im not going to include here. So any wiggle room needs to be on my part.My monthly NET income is 5372Mortgage - 1429HOA - 60Electric Bill - 100Comcast Internet no cable- 50Water - 75Nicor - 100Gas for my car - 120Car insurance For 3 cars... Mine, my wifes, and the beater I deliver pizza in. Full coverage on all cars except the beater. All cars are paid off except my wifes... but those expenses are paid out of her budget, so not included hereCell Phone - 65Dining Entertainment - 200Gifts - 50Oil Change - 25HairCut - 25ATT This is my grandmothers cable. I pay for it - 80LA Fitness - 35DAYCARE - 935 This is only another 2 years. When shes in Kindergarden, this expense is gone! We are not planning to have another kidGroceries - 45016,000 loan from my mom - 200 I pay her that much a month until I can pay more3,000 loan from my other grandmother - 0... Im not paying this one right now...Credit Card minimums across 9 cards... about 15,000 total - 763Pets foodvet bills 2 dogs and a cat- 120NetflixHuluSony Vue - 60Term Life Insurance - 28Student Loans - 0... but it will be like 400 in Feb when repayment starts. Doing PAYE repayment and I qualify for PSLF. This is what is scaring me now. I need to make progress by Feb for sure Misc - 100BalletTap dance for my daughter - 40Total expenses - 5,357Now. with my current income... thats with tutoring ONE student. I CAN tutor two... and when I do, that would be an extra 500 a month... and I would totally throw that at Credit Card debt.Im also aware that once the Daycare is done, I can REALLY start attacking this debt... but I would like to see if there is something else I can do.My wife really cant take a second job as someone needs to stay home in the evenings with our daughter, and I cant work much more... unless I replace the pizza delivery weekend job with something that pays more preferably something not driving around. So I really need to take a critical look at this budget and trim the fat.  <response>: Is everyone ignoring the 763 to service 15k in cc debt?Those interest rates must be sky high. You could easily consolidate that and knock your minimum down 400-500 a month.That would free up some needed cash flow. Then when your daughter is out of daycare you could knock it out quickly. 