🔺 r/personalfinanceukitsune556·23 days ago
49K Credit Card debt help
My husband and I have 49k in credit card debt we’re trying to pay off. Most of it is on 0% interest cards, so balances are not growing. We owe $11,600 on our vehicle. Hubby makes 176k/year, I’m disabled (terminal cancer) and a stay at home mom. I don’t qualify for disability because I haven’t worked in over 10 years, the SSA denied my claim. Hubby has an HSA through work. I’ve been trying to find places in our budget to carve out money for debt payments, cutting way back on eating out, I even found a more affordable auto insurance policy. My health insurance is expensive due to my diagnosis. I have a shopping habit that I am trying to rein in. Anyway, I’d love advice on how to pay off our credit cards. I just started using Rocket Money to help me manage our finances. We live in California, btw. For reference here’s our monthly costs: Health insurance: $1400 (just for me, hubby & kids have a policy through work) Vehicle payment: $600 Auto insurance: $150 Pet insurance: $200 (two dogs) Mortgage: $1730 Gas: $200 Internet: $130 Cell: $196 Electric: $350 Water/Sewer: $60 Garbage: $30 House cleaning: $650 Pest control: $50 Prescriptions: $600 Groceries: $1000 Therapy: $650 (hubby and…