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[quote=Anonymous][quote=Anonymous]OP here. We live in the burbs in a 1900 sq ft house, so a McMansion this is not. 2006, man, if I could turn back time....  I think the cost of going through selling and buying a TH probably isn't the best approach, though I'm open to opinions.  Remember, we have 10K right now in emergency savings only, though we'll be at 15K soon and 5K with a regular savings fund. So selling and eventually buying....not sure it makes sense?

For our cars, one Honda minivan and one Jeep Wrangler, your basic mid-line models.  Owe ~21 on the Honda and maybe 28 on the Jeep, perhaps slightly more.  Don't have my spreadsheet in front of me.  No Lexuses or Mercedes here, lol.

Family loan from family, 200 a month until it's paid off. Five years from now at this rate.

Loans % varies, the student loan is around 3, consolidated loan is just over 9 (with USAA).  Cree card (also USAA) is just over 10 and I've shopped around - it's pretty much the best for what I've found (barring opening up another to roll it onto, which I hesitate doing and would rather just pay it off ASAP).[/quote]

PP suggested renting, not buying. Dont even think about buying until you are out of the 150k consumer debt and pay off second mortgage.
And your comment about your cars not being fancy shows you do need some more work in rethinking and framing your debt. In your situation, those cars ARE the equivalent of a Lexus, and 1900 square feet is huge for the amount of debt you are in plus being underwater in it.

I am not trying to be unkind, but it is this sort of justifying away bad choices that most likely got you into debt in the first place. [/quote]

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