<prompt> Human: This is a question I am asking for my sister.My husband and I have been trying to tackle our debt for years but not making much progress.INCOME: After taxesinsurance ME: 1960 HIM:2040 and now for the bills: Rent: 410 Taxes: 250 Water: 40 Home Insurance: 55 Electricity: 90 Gas: 100 Car: 412 4787 Student Loan: 187 combined Car Insurance: 180 combined Cell: 105 Internet: 45 Total: 1874 Now theres 2 problems. One is my credit card debt. We had to use it for my wedding, and after transferring balances to 0 cards and paying off quite a bit, theyre still high and Im unsure how to tackle this. AMEX: 5259 15.24 CITI: 6900 13.99 CHASE: 3200 18.99 The 2nd problem is my husband eats out a lot, sometimes twice a day. He also smokes and will buy energy drinks here and there. Its probably close to 20 dollars a day. Ive tried talking to him, giving him cash instead of using the cards, buying in bulk, stop smoking medication, everything. It usually works for a couple days, then its the same ol song and dance. Ive thought about getting him a prepaid card and putting a certain amount on it. He works a lot for his brother landscaping but his brother has been having difficulty in paying him medical issues, people not paying him in the past couple months so I didnt count that money. My questions are:What should I do to tackle this debt?How should I get my husband to not spend as much?Any other advice would be GREATLY appreciated!  <response>: Honestly I would recommend Dave Ramseys Financial Peace University Daves advice is great for people struggling with budgeting and getting out of debt. There is better investment advice out there, and his methods are not the most mathematically efficient, but he is a good motivator at getting people to take personal finance seriously.I would recommend attending a class as you get the benefit of talking with other people about your problems and goals as well as bouncing ideas off of each other. It also gives you some accountability. The class is geared toward couples and deals some with relationship issues that surround money and how a spender and a saver can get along and work things out. The course does have a Christian take on things and a lot of classes are held at churches, but anyone can sign up. As long as you can live with a couple of Bible verses regarding money and a prayer or two, you can handle the class. 