Top three tips that will get you out of debt

Q: My partner and I are so sick of being in debt. Between us we have almost $20,000 in credit card debt, he has a car loan and I have what’s left of a student loan. We’ve been trying for about two years to get on top of managing our money so that we can get on with our lives, but nothing seems to be working. We’ve watched friends get married and buy a home, others take time off work to travel, some have started families, and we just feel stuck and depressed. What are we doing w