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[quote=Anonymous]I'm a fan of paying off highest interest rate debt first - so your credit card debt is first.  Also pay off the family debt asap to keep good relations.

On the jeep - can you get what you owe from selling it used?  Look at that differential.  And use these cars into the ground - don't use debt to buy a car (or other depreciating asset).

Try not to take from your retirement or college savings accounts.  But you may lower current contributions - keep contributing to the 401k up to the max, but maybe that's it for the time being.

Also, given your description of how you spend, I think it's likely that there are other ways for you to save money.  Such as giving up cable, cell phones, eating out, groceries, starbucks, gym memberships, etc.  Use Mint to track your current spending and see what can be cut back.

Find joy in things that don't require consumption.  And stop paying attention to advertising that says you need x y and z NOW and they have to be new.  It's used once you've brought it home, so may as well buy it used.

Good luck.  It will take time - like losing weight - so be prepared for a long battle. [/quote]

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