Welcome newfoolindebt, looks like you are in a death spiral of debt. You will receive a lot of really good advice. I hope that you and your S0 are sick of paying over and over for the stuff that this debt came from. In December me and DW had a heart-to-heart and decided that day to stop using CC. We pulled all of them out and put them all on the top of the refrigerator. We lived on two rules.1) Can I make it this whole day without adding to our debt.2) Go back to rule one.If you can meet with your S0 and follow these rules you can start gaining control. Next, you have to do whatever you can to get the monthly payments to balance. Before selling stuff, take a good look at what you want in life. If you are like me and DW your spending had very little planning involved buying this or that because we thought we needed it or it would look great hear or their. I might just as well as went to an ATM withdraw what I could and watch my cash roll around in the streets for entertainment; at least I would not have finance charges. Planning your cash flow and getting rid of the clutter is going to give you the power to get out of debt. Best advice that I can give you is the 2 rules above. They can be easy violate them an no SO job will stop the death spiral. I don't know about you but we have had no trouble spending at whatever income level we have ever had. Controlling your spending, and having strong goals to work for are very important as well. Do not believe the myth that everyone is in debt and we will never get out so we might as well get what we can and have fun doing it. Some fun paying finance charges are now.Roy (whatever you do cut up the Macy's card. Please)
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