Reply to Make $200k, credit card debt, no savings

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[quote=Anonymous]I'm going to tell you something that you already know...This is a much bigger issue than money.  It's a marriage issue.  
Therapy for yourself if your spouse won't go with you can help understand why you spend and why you feel like you have no control. Couples counseling would be ideal.

On to the money part, in order: 
1) Keep your 401k going up to the match with your job.  
2) Make a zero based budget.  Give every dollar a job.  Be realistic, but cut out stuff where you can.  Door dash, restaurants, cocktails out, target runs, those things add up.  Try "You need a budget" You should find some extra money in our budget by doing this.  Keep doing this every month.  It gets easier.
3) Pay the minimums on every debt until you can put aside 2-3k for a little emergency fund.
4) Once you have the little emergency fund, Pay the minimums on everything until you pay off the IRS.  That is the priority debt. 
5) List your debts from smallest to largest in dollar amount.  Pay min on all debts but the smallest.  Attack that one.  Once it's gone, roll that budgeted amount into the next smallest debt.  Keep going til they are all gone.   You can do the student loans this way, too, to knock them out.  
6) YOU CAN DO THIS!!  I believe in you.  I paid off 50k of CC debt this way :)

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