Okay folks, here are my scary numbers. This was what I started with without realizing it had gotten this far out of hand.

Take home income for me: $1800

Bills for me:

Cell Phone(for 2): $82
Electricity: $80
Cable Internet/TV: $120
Groceries and Extras: $800
Student Loan: $205
Bus Pass: $54
Card 1: $200 (11.24apr on ~$9000)
Card 2: $150 (6.99apr fixed on ~$3000)
Card 3: $300 (11.28 apr on ~$6000)
Card 4: $0 (0%apr/0 payment until due, ~$2400)

As you can probably guess from payment size to balance size, I wasn't paying the minimum, I was paying more. Honestly, I have never just paid the minimum and would have sought debt counseling if I was.

Here is where the upset came in.

Takehome income for him: $1800

Bills:

Rent and common utilities: $750
Out to eat: $400-600
Shopping trips: $200-300
Card 1: min (12.9apr on ~$3000)
Card 2: min (11.99 apr on ~$4200)
Card 3: min (8.99 apr on ~$900)

I hadn't realized my dh had credit cards or was paying just the min. on them. Ouch. Needless to say, when I sat down to discuss finance with him and found these, I was a little shocked. I had thought I was taking what debt was needed and that then we would together pay it off after moving and everything. (By and by, I had been sitting him down so that we could do a budget to pay off the credit cards, I just hadn't realized how much we needed to pay off.)

This lead us to do our first budget...