<prompt> Human: Im needing some advice, first off, Im roughly 115K in the hole, which includes my mortgage53K;450m, car loan30K;600m, credit cards and other misc bills30K. I made some mistakes early on, plus my wife being a very impulsive shopper got us in to this mess, and for the last two years, Ive been trying to get us out, it just Im missing out so much on my kids life by working so much overtime60 hours a week, and feel like Im getting nowhere, just enough not to drown.Im the only one employed right now, I gross a little over 60K a year, so I dont feel like Im in that bad of shape, just I have too many bills, and noway to consolidate them, that and our car was the biggest mistake, regretted it day one.I didnt really want to consider bankruptcy, but I feel with what I know now, wiping out the credit cards would actually allow me to save and be financially better. Anyway, I need some advice, do I try and do the snowball method on my bills and work even more hours, or should I consider bankruptcy?  <response>: Chances are high you will find yourself back in the exact same position if your wife is an impulsive shopper and not committed to change and hey, she might figure you can always declare bankruptcy again!. I think that is the big concern here.My own thought is: sell the car, use what you get to get a cheaper car or use public transportbike, pay off what you can off the car loan, and start chipping away at the 45-50kish debt left I exclude mortgage here. Also, your wife should be looking at getting a job. If she stays home with kids, it can be evenings or weekends. And she needs to get help for her impulsive shopping - I get it as I can have the same tendency and it is something I have had to work on and still do. I still have splurges but they are budgeted splurges and I work an extra side job over the year for that particular budget item. 