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.