No. of Recommendations: 3

reality only beats you if you let it. DW and I had a few years where we had things under control but not making much headway. Drifting unexcitedly in the right direction was a good description of it.

Now is the time to dig a little bit deeper, in part to get away from Murphy.

Now may be the time to go back through, call each of the credit card companies, and see if they can give you a lower rate. If they can't give you a lower rate, ask about current balance transfer offers to see whats out there. It may not be as satisfying, but if you can get the interest rate down even a few percentage points, you'll compound the good in the future.

Secondarily, how did it go with the car to sell? If you haven't gone there yet, See if you can get it sold.

You've got this.
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