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

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[quote=Anonymous][quote=Anonymous]I appreciate all the help from most of you.

This is going a little downhill and I just can't cope with the judgment. We've screwed up, spend too much, it's crazy, etc. I know that and need to change. No need to call me a hoarder or act like I'm stupid. We all have our issues, I'm sure you have yours it just might not be money. [/quote]

You're not stupid, OP.

I don't know where the hoarder comment came from with the pp but you don't really need help.
The answer is right in front of you.
You're living beyond your means and spending frivolusly.

Too much on food, clothes, cigars, and possibly meds. 
There are cheaper alternatives.
It sounds as if you're using these things to cope with other things, possibly emotional things.
I don't mean to play arm chair psych so if this doesn't apply, please ignore.

You can easily cut 600-$800 worth of things from your monthly budget and it doesn't even need to be a permanent change just until you get the debt under control.
Your income is fine, you're just splurging a lot. [/quote]

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