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@debbie_s They're a whole lot more tedious than they should be, that's for sure. I still manage to fill them fairly quickly. Once you know you just have to calculate your taxable income, tax credits, do the multiplications and subtraction, you can just strategically input the important numbers...

@ratan I don't know anything about debt, but I know a thing or two about saving money. You can definitely lower your expenses further. Being able to put 1.4k a month on paying debt instead of just 1k would help a lot with paying off your debts. 400 dollars a month is 5k a year. I spend 120...