<prompt> Human: I have a Wells Fargo credit card and it has a 5,000 limit. Im maybe 100 short of having it maxed out and it is current on all of its payments. I just dont know how Im going to pay it back. I had a daughter in January and I just kept swiping it whenever we needed something and here we are. That amounts is about a quarter of my yearly salary and about a sixth of my husbands. We are also paying back student loans and my husbands credit cards. I dont even know where to start paying this card back. Does anyone have any advice? I feel really lost and need a point in the right direction.  <response>: You need to make a budget and stick to it. You need to know where your money is going. You may need to stick to a cash based system. You can pay back 5k on 50kyear income. 