It's easier than you think, Sirius. The only debt we have ever had is a home mortgage, and that will be gone in 5 years. Life is a lot easier if you aren't always paying for what you did last year. While it's best to never go there in the first place, to get out of debt, all you have to do is go through 6 mos or a year of pain and the rest of your life will be smooth sailing.

Do it in baby steps: