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@skelly Consolidate cc debt into lower interest loans- lendingtree/club etc etc. This will reduce monthly payments so you don't feel like your drowning. Build up a small emergency fund, maybe 5k since you already are at 3k. Everything after 5k goes to paying off that loan. Only purchase...

@4ntioch This. Insurance on a older vehic is also less than on a new lease vehicle as well. If you can drive a 10yr old $10k car and save $400+ a month it is worth looking into in this case.