generally-speaking t1_jectbbg wrote on March 31, 2023 at 1:55 AM

Your monthly spending the way you list them up adds up to a total of about 7400.

With 9200 gross and 700 coming in from child support, that means you're living very close to your limit or above your means. It's hard to tell without knowing how much you end up paying in taxes.

Then there's the 10000 CC debt, which suggests there's some spending going on which isn't listed here.

And I don't see any savings.

It's safe to say your economy is not in a healthy state, at best you're barely getting by, at worst you're below water.

Adventurous-Coach-11 t1_jecu0cu wrote on March 31, 2023 at 2:00 AM

Net Pay Monthly: $7,870 roughly. So even closer to that above our means line, not including CS.

We have 5k in savings, but it’s about to go for appliances and cosmetic repairs for the house we are buying or we should just bite the bullet and pay off half the CC.

We’ve had the 10k debt for two years. It was moving expenses after we cut contact with family and had to move out unexpectedly, we haven’t been on our feet long enough with our new salaries to start really making a significant change, it also hits my husband for a $115 interest cost every month.