No. of Recommendations: 4
My advice is to pay your personal loans (mom and others) 7K

Pay off the CC and Best Buy in six months. 22K
(that's the plan, so if 6K makes sense as soon as you get the check, go ahead. Do pay the bills early, so you don't pay any interest)

That leaves 10K:
maybe divide: 1 K as a tithe (giving to your church or local charity),
3 K for college for the boy (savings account, savings bonds, 529 plan),
3 K to an account that is for emergencies (a bank account),
3 K for your old age .

With this advice, by next spring, you would be debt free. Then you can look at your income and expenses. The money you spent last March (from your pension) to pay back credit won't have to be paid, so you can start saving for purchases (or vacations).

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