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I am new here so forgive me if this is in the wrong place.

To give a brief background, I have had CC debt since I owned a CC in college. 10 years ago when DW and I married we had about $10k in CC debt. 5 yrs ago when we took a HEL to pay off a big chunk of CC debt, it was about $75k. the HEL cut it down to $20k and of course when I filed bankruptcy last year it was at $90k. Today I am just waiting for the final discharge letter. I have huge feelings of guilt and feelings of failure, but I also feel a huge sense of relief, but I'm getting off track.

We are stable right now. I just started tracking everything in Quicken. If we hold our budget, we should be able to have $1k free a month. DW has 1 maxed CC at $10k as I went into bankruptcy individually. We have zero savings and probably about $6k of expected expenses coming up this year, with x-mas, kids birthdays, car repairs etc. I'm guessing priorities would put away $ for those expenses, then CC and then efund? 3-6 months of living expenses would mean $21-42k in an ING account. That seems like alot with both partners working and unemployment benefits available for jobloss. is that right?

Thanks to all. I wish I had discovered this board a couple of years ago.

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