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No. of Recommendations: 2

Unless you live in a shaky area for real estate, I would not sell the house. As it appreciates you get less upside down in your borrowing for it. I know part of your auto debt is from being upside and selling another car, but right now, a beater is what you might want. And your car keeps depreciating turning you more upside down in it.

Also, a cheap car will help insurance rates.

Don't be afraid to look at your spending. You have already beaten yourself up enough over this, now put your emotion and intensify on getting rid of the debt. The snowball helps a bit with the emotion involved in debt as well as the numbers.

You're normal. You mentioned the Disney vacation. Could you imagine how short the lines would be if people had to pay cash to go there?

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