You're right that if you only make the minimum payment, it's going to take forever and a lifetime to get out of debt.
To tackle the amount of debt you're in, both of you will really need to shift your mindset to succee. Also, to make a dent in that debt, one or both of you should consider...
Okay, so you've got $47,000 in credit card debt—first off, that's a tough spot, and it's totally understandable to feel overwhelmed. It's really great you've already started a budget and have stopped adding to the cards; that's a huge first step.
Now, you're asking about the best way to tackle...
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