No. of Recommendations: 1
I'm new to these boards but am very curious to get some feedback because DH and I don't know if we're in over our heads. We moved two years ago and bought our dream house that we thought was affordable to us. What we didn't count on was property tax going through the roof a year after we owned it! I admit, we're naive. So here's our rundown:

DH brings home $6K/month (more if he can get OT)
Morgage $3K/month
CC debt ~ $30K

I would like to say we're paying down our debt, but our screened in porch just collapsed and so now we have to come up for money to replace that, since it's hazardous to be out there.

I also work PT and bring home about $300/month once daycare is paid for.

We've considered refinancing the house to do interest only until we're in a better financial position but we hate to lose our 5.5% APR.

Right now I'm paying only minimums on CC until I can save enough to pay off our screen. We just finished paying our $10K property tax for the year and were planning on focusing on CC when the screen collapsed. BTW, our CC interest is still 0% until next year. I am pretty good at playing the CC game of transferring balances to a new CC, and luckily we've been able to get new offers.

Any input would be appreciated! TIA!
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