Ok. So I took my refund and put it towards debts. I even dipped into my savings to pay off extra things. I am wiped out. I have 600 in my bank savings account ( this is used in case an unexpected emergency comes up or my wife is short on her end ( commissions only) and 78.00 in my high yield savings(4.35%) I am now able to put 100 towards the bank and 200 to high yield. (Weekly)

I still have 5000 on consumer card0% and put 200 month towards 24400 on a personal loan I put 600$ a month and that is 9.90% A window loan 40$ a month for 13 years it’s like 4k idk off the top of my head. Mortgage 75k @3.625 600 a month Car @13K 500 a month 2.76% Loan 1037 main balance 290 interest over 21 months for a total of 61$ a month Utilities are about 1000$

Income is 3k from job 1 1800job 2
600 wife

I was thinking of doing freedom financial management program ( you don’t use credit cards or helocs) it’s only the money you have available each month. And the program tells you what to pay when. With everything going on it says I can be debt free in 4 years. It costs 167 a month for 2 years. To OWN IT

Or I was looking qube money. It’s an online envelope system to help keep track of money

Or I can try to keep doing it my way but my way has me mortgage free in 10 years

I know I was to try to save for abit to build up my savings