[ea1776]

Hi Jeremy,

Why do you pay $40/month in bank account fees? Yeah, I would definitely consolidate to one institution that has free checking, online banking, etc. without fees.

With your situation, you may consider selling your car, and switching to a cheaper car. 27K is a big car loan for your income level.

I would continue paying only the minimum on your student loan for now, until you have an emergency fund in place and the CC is paid in full.

I would STOP using any credit cards.

I would do a budget, so you know exactly where all of your money is going each month, and so you can therefore manage it better.

Cut back on any luxuries (eating out, other expensive things) and try to find less expensive things to do for fun (local library, bike rides to the park, etc.).

Think of ways to cut back on expenses (i.e. cut coupons, take the bus, eliminate monthly subscriptions and go to library).

Also, I think you should have an emergency fund in place before purchasing a house (at least 2 months worth of expenses), put away in a high yielding savings account.

I'm sure others will chime in with advice. Good luck!