Are you looking for a simple way to get out debt? Dave Ramsey's Total Money Makeover Book is your answer. He provides a simple plan to follow with 7 baby steps. First step is to document all your spending. You can't manage a budget unless you know where your money is going. Debt Snowball is a great process for paying off your debts from smallest to largest. This book encourages couples to get on the same page and work together on their plan. You will understand your role as a steward of God's money and giving will be a whole new concept for you.
It worked for our family, we paid off $100K over the past 2 years. We only have our house mortgage left and plan to pay off early.
For your copy, go to http://www.daveramsey.com/ . It will be the best $14.95 that you spend.