I want to lock in and pay off my debt.
That means no eating out (maybe one a month I will)
No subscriptions
No buying clothes for now

Im 25K in debt & I only make 60K before tax. It’s horrible but I am a big spender. I want to lock in as much as possible and pay off majority of this debt.

Do you have any other advice?

Long story short, my wife and I have always paid our credit cards off in full at the end of each month, regardless of our statement balance. Unfortunately, after years of fertility, we went through IVF and had to pay out of pocket…

I am in a predicament. I have 1 CC with a balance of ~7000 (statement balance). I have paid the minimum balance due to ensure no late payments at the very least.

I also have my ‘regular’ CC that I use for everyday purchases. A statement balance of ~800 is due 11/1, but my current balance is much higher.

Instead of paying the current balance at the end of the month like I normally do, should I just pay the ~800 statement balance and put the rest towards the ~7000 statement balance? I should be able to pay off ~4000 of the ~7000 going this route.