So mad I could just SCREAM!

[BungalowMo]

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@mauve wrote:

Yeah, I'd pay off that Chase and then the student loans, then.  I'd also consider not leasing a car next time.  Buying it new is better than leasing, and buying used is even better than that.  I'd also look into what ways I could save around the house - like dealing with any kind of wasted heating/cooling or power saving, etc.

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Well said!  I agree with it all 100%

[Anonymous]

Thanks for the awesome advice everyone

We own one car out-right.  No payments.  Leasing works good for us because we end up with a new vehicle every 4 years.  The payments are low (its through our credit union) and everything is covered under warranty.  My husband is dead-set against buying used for any reason whatsoever.  So what we will do this time is when our current lease is up we will buy the vehicle out and pay it off.  Then we will sell my car which will be 17 years old by that time.  We are the original owners.  Know we will not get much even though its in great condition.  Then we will have the lease paid off and will likely lease another vehicle.  We never put  more than 10k/year in mileage on our vehicles. 

So I will focus on paying off Chase and then my student loans I'll go after aggressively. 

[mystro9876]

If you have a $900k mortgage and pay $60k a year in Day Care services , I think you can afford a Financial Advisor.  I think that's what you need more than "credit" help.

[Anonymous]

Thanks for your input.  I'll take that into consideration.  It's all relative.  This part of the country is very expensive to live in so it sounds like I live in a mansion or something but I don't.  You could get the same house where my dad lives in Charlotte for less than $250k, but I'd be making a lot less in salary too.

[BungalowMo]

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@Anonymous wrote:

Thanks for your input.  I'll take that into consideration.  It's all relative.  This part of the country is very expensive to live in so it sounds like I live in a mansion or something but I don't.  You could get the same house where my dad lives in Charlotte for less than $250k, but I'd be making a lot less in salary too.

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Let me guess....Northern Virginia??

[Anonymous]

LOL...I wish...New Jersey. 

[mystro9876]

I live in North Jersey too, I can relate to the cost of living.

I didn't mean it like "you can afford a FA", I meant it more as in a FA would probably be better suited to solve your problems.  It seems that you have difficulty determining who and what to pay and how much, why investing your money at the same time.

[Anonymous]

Yes, very valid point.   I will discuss it with my husband.  We keep our bills separate which is why I came here.  My name is legally on our mortgage but he pays the mortgage.