[jIM_Ohio]

Get Organized. Here is what you need to do:

List all bills each month. Include the CC minimums
List all monthly income. Only include money which comes in steadily each month.
List additional income seperately if it is sporadic.
Do you get a tax return? How much?
List all debts. list them in the following way

Highest interest rate debt amount minimum monthly payment
next highest interest rate debt amount minimum monthly payment
next highest interest rate etc...

If you have 20 debts, list all 20 on one line at a time.

Each of these issues is a different problem.

You need a budget (problem 1) and will need to look to optimize spending and remove spending from the budget.
The budget should be based on a fixed income. Maybe the income from your second job is sporadic- do not include this unless income is reliable.
The debts organization will help you get rid of most bills the most efficient way possible.

Once you lose the debt, apply that money towards the 15k for house savings. Compare rent with house prices and then make good money decisions.

I would like to point out you are in your situation because of bad financial decisions. Step 1 when you dig yourself into a hole is to STOP DIGGING DEEPER. Make better decisions financially based on how you SPEND. Most people do not have an income problem, they have a spending problem.

At 68k, you make more than close to 50-75% of the people in this country. SERIOUSLY. Cap spending and see what you can squeeze out of the current spending you have.