First let me list all of our credit cards.
Hsbc mastercard- cl 1000 balance 845.73 APR 29.99 %
Capital one- cl 750 (went from 500 to 750 in like 3 months automatically) balance 580.63 APR18.4%
AF $39
Best buy- cl 1900 balance 1618.34 APR differs - 829.21 @ 22.15%
- 733.76 @10.9% till 2/10/10
- 27.98 @10.9% till 2/10/10
- 92 @ 0% till 1/17/08 then 22.15
Firestone- cl 1200 balance 700 APR )% till 2/5/2008 then 21.84%
homedepot- cl 3000 balance 907.93 APR 0%interest till 6/22/2008 then 21%
640 APR 0% interest till 6/1/2008 then 21%
Sears- cl 900 balance 785.8 APR 24.4%
applied card bank- cl 500 balance 0 APR AF $50
american car care center- cl 1000 balance 0 APR 22.99%
America First Credit Union- line of credit of 1800 interest rate at 10.25%
- line of credit of 500 interest rate at 10.25%
- personal loan balance 1320 interest rate at 10.25
- truck loan balance 21200 interest rate at 9.15%
scooter loan- balance +/-3500 interest rate about 17%
newegg card - cl 2400 balance 0 interest rate 21.99%
Mortgage 172900 interest rate at 6.75%
we dont really have much more money extra eachmonth besides like 25-50 dollars each month.
Just wondering if anyone has any suggestions as to whether to save the money each month for an emergency fund or something or to pay of our debts first? I think i should start paying off credit cards and line of credits since with line of credits i can always reuse that cash if something comes up.
Anyone have any suggestions as to what to focus on and in what order to go?
Thanks any response/suggestions appreciated.