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[quote=Anonymous]A friendly poster here.  Sometimes when you feel like you are doing well, (you or your spouse) you don't think about where the $ is going.  I started listening to Dave Ramsey, and realized I was one of these people who wasn't minding my $.  I am now on a budget (YNAB, google that if you don't know what it means), and I listen to Dave Ramsey's podcast everyday.  I know know where every single dollar I am earning is going.  I am in a debt snowball to pay off my lingering debts.  It has forced me to realize how much of my money I was spending without thinking about it.  If you and your spouse sit down and do this, it might be the "wake up" call you need.   You likely are blowing through your money in crazy, yet normal ways.  Dining out, coffee trips, etc.  Once you start minding your money down to the dollar (via a budget) you will see how much money you have and you should be out of debt soon.

You both have to be on board, but it's worth it.  First you pay off your debts smallest to largest.  Then you build an emergency fund of 3-6 months of expenses.  Then you start saving for the next car (avoiding future debt), while also saving for college, retirement and then paying off your house. You can do it, you just need a plan.  Right now, you don't have a plan but you can make the decision to change that right now.
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