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There are several reasons why you need a budget. The first is that it's the only way you can learn where your money's going and then make a plan for the future. In fact, you might think of your budget not as a budget but as a game plan. Naturally, your plan will have to include a provision for paying down your debts. Again, the two of you must be able to reach agreement as to how you will do this. If you were to cut your spending by $500 a month and add this to whatever you're currently paying on your debts, you might be debt free in less than three years.
Do you both work?
If you both work you might be able to develop a budget wherein you live on one person's salary and then use the other's to pay down your debt. As an example of this if your spouse or partner was taking home $2000 a month and you could apply all of that to clearing your debts, you might be able to become debt free in just a little over a year.
Snowball your debts
Regardless of which of these alternatives you choose, you should try to snowball your debts. The way that you do this is to list all of them with their interest rates and balances. Then sort the list so that the one at the top is the debt with the smallest balance down to the one with the largest. You then put all of your resources against paying off the debt with the smallest balance, which will then free up money that can be used to begin paying off the one with the second smallest balance and so on. Alternately, you could sort your debts with the one that has the highest interest rate at the top down to the one with the lowest. Some experts feel this could be a better option because the debt with the highest interest rate is costing you the most money. So, if you were to get rid of it you would then have the maximum amount of money to pay off the debt with the next highest interest rate.
Stick with the plan
Whatever you decide to do about your family's debt, be sure to stick to whatever plan you and your spouse or partner developed and agreed to. This will stop the arguments and finger-pointing and probably take much of the stress and strain out of your marriage. Or as Martha Stewart is fond of saying, "it's a good thing."
Here’s a video that reveals seven other things you could do to improve your marriage.