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[quote=Anonymous]Another thought: if you have cc debt, it sounds like you don’t have an emergency fund. After you pay off the debt, you need to keep living frugally until you have some cash savings. DH drives a 2007 sedan, so we have enough saved to buy a new one tomorrow, plus enough to replace the water heater and electrical panel, which are both old. Take heart: it took us years to get here. You don’t need to save that much immediately, but you need to end each month with more money than you started. If you can’t do that, you need to start living like you’re poor. Look at cutting vacation, buying the kids used Christmas presents, cutting any activities, declining kids birthday parties. Examine your credit cards to ensure you have the most advantageous interest rate. We’ll do anything to save $2. Reddit has a forum called r/povertyfinance that has great advice. [/quote]
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