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[quote=Anonymous][quote=Anonymous][quote=Anonymous]20:53 again - then I agree you should look at sectors that better reward effort - in Tyson's you have high tech firms -- [b]also in Reston and further out with good schools and lower CoL.[/b] Also commercial real estate. Good luck![/quote]
What do you mean by that? As far as my job, I need to stay put for another 4-5 years, and then I can make a lot more than what i am making now, but I need the experience to get there. I can double my salary in 5 years if I stay put[/quote]

PP here that wrote the really long response and mentioned my mom being very scrappy and creative. It sounds like it makes sense to stay at your current job. I do think you may need to consider working more at a second job at least for a few years.  You are too young to probably remember "In Living Color" Hey Mon skits.  You need to be more like that.  There is no "oh I could work an extra 20 hours working from home but I am too tired to do more than 10" when you are in credit card debt and can barely pay bills. I have friends in professional positions, including PhD, that had second jobs working all weekend when they needed to have them to get finances straight.  You said your ex helps out on weekends, is there any way you could do more In-home work during the weekends and get closer to 20 hours per week?  Or look to see if there is another 2nd job or maybe 3rd job, that would pay slightly more.  I'm thinking maybe tutoring ( I don't know how much Kumon etc would pay tutors or an independent tutoring center) or teaching an online class in finance.  Working 60-65 hours per week plus raising a child won't be easy but that 2nd or 3rd job for 2 years could wipe out the CC debt and start to get you out of the paycheck to paycheck living.  If you combine that with the gradual banking job salary increases plus bonus plus potential to double salary in 5 years I'm seeing the light at the end of the tunnel.

Also, while not an advocate of borrowing money from your parents, if you worked more at the 2nd job and possibly had a 3rd job (babysitting, tutoring etc.) and had a real plan to pay your parents back with interest but less than credit card interest, they may consider it.  I don't lend money to my sisters because I know it is one of those they need money and have no way to pay it back and will get indignant should I ask for any of it back so unless I am feeling like I want to give a gift of X amount, I won't do it. If they actually had a plan and had 2 or 3 jobs and could show how they would make the extra money to pay me back over a year and still be able to pay bills I would think about it.  Knowing  what I know now though I would start with a small amount and have them build up a track record of repayment before I considered a larger amount.

Good luck.
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