How can I get out of debt? My wife and I both have jobs but we are not getting any closer to being debt free.?

We do not have credit cards (we both got rid of them years ago, and we would not qualify for new ones if we wanted them anyway). We have a baby on the way and want to be on our way out of debt (we have realistic expectations and do not expect this will be [...] http://bit.ly/loEZGG