<prompt> Human: Im looking for some help... Ive got myself into a situation that is causing be a great deal of stress and Im not quite sure the best way out of it. Essentially, I have 48,000 in debt contained within personal loans that I acquired to consolidate credit card debt. For my own mental health and the financial well-being of my family, I need to take care of this debt ASAP. Im here because I feel absolutely overwhelmed and dont know the best approach.What I have done so far is mostly focused around understanding what regular on-going expenses we have, as well as the net income for both my wife and I. Ive included this information below, as well as some background about our current living situation.I also understand the habits that got us to this point - mostly around CC use after we moved into a new home in Fall 2014. This will stop. This has to stop.We desperately want to have a baby, but also realize that we need to be in a situation that enables us to provide for our child as well. Thats the driving force behind all of this.Any and all help, opinions, and insight you can offer would be appreciated. I understand that we have made poor choices, but Im working to correct them now. Please try to keep your comments constructive, as I already feel terrible about all of this.BackgroundHousehold Married couple 1 cat 2 birds No childrenHousingWe own our home with an outstanding mortgage held through a private partyTransportationHim - Toyota Camry 50k miles No issues 13k outstanding 40 monthsHer - Chevrolet Cobalt 150k miles Limited mechanical issues Multiple heavy cosmetic issues Paid OffWork Him - Salary job Her - Hourly job with no opportunity for OT Total Take-Home Income 86,000Luxuries Hair Cuts - we both frequent a local salon and treat ourselves to nice quality haircuts. This is one of the only things we pamper ourselves with, related to personal care. Theme Park Tickets - We live local to a popular theme park and hold season tickets that we use for day-trips on the weekend to have mini-vacations throughout the year. Lawn Care - We live in an area where mowingtrimming is required weekly and fertilizer should be used monthly to maintain a controlled yard. We pay for both of these services for two reasons: 1 the professionals do a much better job, 2 we both despise doing this workGoals1. Replace Her car2. Be financially ready for a child3. Pay off all Personal Loans and carry 0 in CC debtCategory Item Annual Costs of Total Basis:--:--:--:--:--Home Mortgage 17,400 22 1,450 per monthHome Property Taxes 3,350 4 3,350 per yearHome Home Insurance 1,144 1 1,144 per yearHome Home Owners Association 788 1 197 per quarterHome Lawn Upkeep - MowingTrimming 1,440 2 120 per monthHome Pest Control 380 0 95 per quarterHome Lawn Care - Fertilizer 1,080 1 90 per monthHome Termite Bond 250 0 250 per yearHome Alarm System Monitoring 300 0 25 per monthDebt Personal Loan 1 14 APR 9,292 12 774 per monthDebt Personal Loan 2 10 APR 10,372 13 864 per monthAutomobiles Car Payment - Him 3,987 5 332 per monthAutomobiles Car Payment - Her - NA 0 per monthAutomobiles Registration - Her 100 0 100 per yearAutomobiles Registration - Him 46 0 46 per yearAutomobiles Gasoline - Him 1,300 2 25 per weekAutomobiles Gasoline - Her 1,560 2 30 per weekAutomobiles Car Insurance - Him 922 1 461 per 6 monthsAutomobiles Car Insurance - Her 1,057 1 529 per 6 monthsUtilities Cell Phones 1,827 2 152 per monthUtilities Electric 1,620 2 135 per monthUtilities WaterSewer 660 1 55 per monthUtilities Internet 959 1 80 per monthUtilities Cable 144 0 12 per monthInsurance Jewelry Insurance 244 0 244 per yearInsurance Pet Insurance 285 0 285 per yearPersonal Care Personal Care Items 1,200 2 100 per monthPersonal Care Hair Cuts - Him 600 1 50 per 4 weeksPersonal Care Hair Cuts - Her 325 0 75 per 12 weeksNutrition Food 10,400 13 200 per weekNutrition Vitamins - Her 480 1 56 per monthNutrition Vitamins - Him 360 0 13 per monthNutrition Supplements - Him 600 1 50 per monthSupplies Household Goods 1,200 2 100 per monthEntertainment Theme Park Season Passes - Down Payment 250 0 250 per yearEntertainment Theme Park Season Passes - Monthly 594 1 50 per monthPet Expenses Pet Food - Cat 851 1 71 per monthPet Expenses Pet Food - Birds 108 0 9 per monthPet Expenses Grit - Birds 26 0 6 per quarterPet Expenses Veterinary Expenses - Cat 250 0 250 per yearEDIT: Formatting and Added Income, Loan RatesEDIT2: Calculated actual cost of vitamins - Previous Estimate 70month, New Actual, 69month  <response>: Youre suffering from death by a thousand cuts. Nothing immediately jumps out as totally egregious but you need to severely curtail overall spending to get out of debt and prepare for the high additional cost of having a child. Not only do you need to have a monthly surplus leftover to pay down your debt, but youll need a double extra surplus before having a child because youll need to pay down your debt AND pay for the child because theres a 0 chance you eliminate 48k of debt between now and the fall.My suggestions? Bite the bullet and do your own lawn care work, get your food spending down buy in bulk, meal prep, etc, cut the theme park out completely, buy cheaper pet food, ditch the 50month haircuts, cancel the alarm system, try and save some money on your electric bill, drop the jewelry insurance, figure out where 100month is going towards personal care items, etc. 