In Debt - Reality Check in place!

katsu

I appreciate that you say your wife pays some things and you pay others. Has she also ended up with a load of debt too?

Whether she has or hasn't, you might benefit from reviewing with her your family approach to your life, savings and events.  You want to find a way to not only get out of debt but avoid getting into debt again when something else happens to you as life will happen, a boiler breaks/need to change the central heating, sick relative and so on. 

When you both are in the same lane it's much easier to for eg not have a holiday or to agree to save up together and make economies on XYZ to get a new sofa or whatever. 

The strength of this forum is the mindset shift that helps you live a debt free life. 

Good luck to you and your wife.