Sounds like you need to go on a money diet. All the reply posts I’ve read are good. As you explore this site, I think you’ll find numerous ways to save money and lower your expenses. Still, $40000 is alot to chip away at. You can do it! Take a cold hard look at your spending habits. I cover the mortgage, kid’s stuff, food, and half the entertainment, as well as half the home improvement projects. I only make $26000. Sacrifices are not so bad if you know what to cut. It can be fun, too. In my case, its an obsession!
Good luck and take care! You realize you have a problem and are reaching out to deal with it….good for you!