No. of Recommendations: 0
CC debt, not medical

Is it spouse's or your debt or both, or unknown since it's on a shared account? If it's your account, you can presumably go online to view the account's history and take appropriate measures...too much spending on restaurants, electronics, furnishings, subscriptions, clothing, accessories, salons/spas or other discretionaries? That kind of spending is relatively easily cut back. Or is it too much spending on big fixed expenses like mortgage/rent and cars, leaving too little even for basics like food and utilities, therefore using CCs to keep up with a desired lifestyle? It's pretty difficult to fix a leak if you don't first find its location. While I think a second job is a great idea (I hope you're young and energetic-), please plug those money leaks, too.

Good luck!

BTW, smart people budget at every income and debt level. If I don't budget and track certain categories (my and DH's weaknesses), we can overspend, and we don't have any debt, not even a mortgage any more.

If you post details about your income, expenses, credit card debts & interest rates (that means getting info from your spouse), people on this board can help you develop a budget and repayment method that will get rid of your debt faster and help keep you from building it up again. There are many success stories here!
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