If you can't win em...compromise.
Sit down at a family meeting (go to work/school late if need be but make time to talk together)
Start with why you want to be out of debt, make it short, make it real.
Then tell em what you want (the strictest budget to fastest payoff you are willing to use)
Then ask what they want. settle on a budget in the middle...anything on the side of payoff not accruing debt is better than them pestering you and better than going into further into debt.
Next month meet again, discuss what worked what didn't, see how far you have come in debt payoff, ask them why you are doing it (it is called brainwashing, in some ways very useful, if you can get them to parrot your debt free lines they may one day believe them) revise budget. or approve the same old one.
And that coworker...next time tell him you are not every other American...and that this seems to be a point you disagree on...suggest he go with you to a financial class, an appropriate setting for the whole debt discussion, work is not.
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