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No. of Recommendations: 1
I have been down the path you are on. It is a hard decision but focusing on the debt is the best approach using a snowball method. Definitely keep the 1k for the small emergencies and throw everything else at the debt.
The personal lessons I learned during my 7 year journey to be debt free were these:
1. sacrifice now for peace later
2. Contentment in what I do have
Paid off $500k in debt by selling the big house that impressed no one and 115k in consumer debt and student loans.
Cut every luxury can you can to get this weight off you. It is worth it!
It is now 4 years since I was 100% debt free and I have developed a healthy approach using debt.
The best part is when I get my paycheck, its all mine.
You can do this so stay strong.

David
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