<prompt> Human: Hi Im in the military I have 2 kids and a wife. Im about 14600 dollars in debt between 3 credit cards and 2 loans. I pay 500 dollars in just minimum payments a month and combined with my other bills its just getting too hard to live. Can anyone help?Update: Hey guys I was kind of panicking when I wrote this but I appreciate everyones input. I should have put more focus on the whole consolidated debt program thing since thats really what I needed help with. Thank you everyone I dont think ill be going through them, and Im just going to try to pay these things off on my own. I appreciate the help and if anyone is actually interested Ill update in the future.Assistant: Without knowing more specifics. All I can tell you is that you should cut ALL unnecessary expenses. And if you can raise your income, promotion, overtime, part time job for the wife, etc.Human: I can tell you anything you need to know that might help. I talked to a debt consolodation company today Accredited Debt Relief and they basically have a plan for me to quit paying my debts and they negotiate until they have a settlement. Meanwhile I just pay them 200 bucks a month. I dont know if its the right move though even though they are with the BBB and have a A rating.Assistant: I would avoid going down this route until you have dealt with the fundamental issue - which is spending money you dont have. Do you have a complete list of income and expenses? Human: Yeah I dont spend money on anything anymore.  <response>: It may feel that way but unless you explicitly track every dollar that comes in and goes out, there is almost certainly a lot of money being lost to little leaks. This sounds harder than it is, but it is your ticket out of this situation. 