No. of Recommendations: 0

Just to reiterate an earlier statement: make sure to put a sufficient amount into an e-fund. Given your previous experience/trouble with unexpected bills, this is exactly the type of protection you need.

Relocating and selling your home will give you an opportunity to fully fund the e-fund NOW, rather than over years. Again, this will protect against any further unexpected occurances in the future, and keep you from racking up more debt.

Be aware that you likely won't qualify for favorable loans for some time to come (assumption made based on your closed CC accounts, which likely affected your credit score). Without knowing the details, or where you'll relocate to, I would abandon the thought of buying a new place any time soon. There will need to be some real short-term sacrifice to get out of the debt burden quickly. Your hard work and attention can and will overcome it!

In the meantime, live well below your means, kill the debt, and stash significant cash for retirement/purchase of new home.

Best of luck with the relocation and debt paydown.

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