<prompt> Human: We my wife and I pull in about 3800 a month. 900 goes to mortgate, 650 school waldorf, 400 to credit card bills. 19K I know on paper that leaves around 2K on the table, but Im just having trouble figuring out how to start life over and figuring out where all the money goes. So we can better track things and help fight our debt. Would switching to all cash, for everything outside of mortgageschoolcreditcards better help things? I have barely any money in savings, altogether we have less than 3,600 in the bank.  <response>: Would switching to all cash, for everything outside of mortgageschoolcreditcards better help things?If you have CC debt, you shouldnt be putting any new purchases on your CCs. You need to track every dollar and make a budget. You should cut back on any entertainment expenses and use that money to pay off your CC debt. 