[disneysteve]

Wow. I'm overwhelmed just reading your post and not knowing where to begin to respond.

Some thoughts, in no particular order and with no particular endpoint.

You say you anticipate being in the red for each of the next 8 months, but at the same time, you say you are saving $645/month. If you've got $645 going into savings, you aren't in the red. You are in the black. That's a good thing.

I don't know what the heck you are driving but 36K for another 6 years!!! I would be tracking that vehicle's value regularly and as soon as your loan balance drops to what you can sell it for, pull the trigger and get rid of it. From then on, don't ever buy a vehicle if you have to finance it for more than 3 years. Any more than that is a sign that you are overextending yourself and buying something that you can't afford.

Finally, for the moment, a $9,000 tax refund is nuts anytime, but especially when you are carrying $12,500 in CC debt and over $100,000 in debt overall. He needs to change that W-4 tomorrow and you guys can start putting that $750/month toward debt repayment.

It can certainly all seem overwhelming, but you just need to take it piece by piece. Identify one thing you can change for the better and change it. Then move on to the next thing you can change, and change that, and so on.

You can do it if the two of you work together to make it happen. It will take time, but you'll gain strength and motivation from watching those balances fall. Post them on the fridge and do something special every time the total drops by $1,000. Open a bottle of wine or order a pizza or see a movie, some little splurge to celebrate.

And keep coming here with questions and for support.