To give u an idea of severity of your problem, consider this: your net salary 6,500. Even if u manage to save 3,000 per month which is possible but very very hard with a family, you need 10 years to settle your debt without taking into consideration interest . With interest, likely to be 20 years or more. You need to drastically cut your spending and increase your earning capability. Work hard get promoted and excel in your career... This is the best way to get out of your rut... Savings alone very hard to settle your problem ... And when u get increase in salary from 8k, treat it as there is no increase at all, otherwise spending will always move up to meet income