So, my wife and I are in debt for around $40000. Mostly due to being underemployed and moving expenses related to jobs that fell through.
I now finally have a job that pays well, $45000 a year, but at this point, we are at a point where we can't make our minimum payments. I have created a detailed budget, but I am finding, even after pulling out all "un-necessaries", that we are still behind ~$65.00 a month. When I mean all un-necessaries I'm even referring to not being able to see a doctor or save anything.