Thanks to all for the responses. We sat down last night and worked on our budget. We very quickly saw why we are in such a rut of paycheck to paycheck.
Monthly expenses vs. monthly income left us with $17.40 on top at the end of each month.
No way are we even thinking about the house for the near future. We need to get those monthly expenses down. By cutting back in a few key areas it looks like we could increase the amount left over each month to $480.
Then by applying the extra amount to the credit cards we could be well on our way to house in a year or more.. but feeling much better about doing it then before.
Even though we want a house badly it was stressing us out just thinking about it.
Again, thanks for all the replies, they really did help. Now we just have to make this budget work and stick to it.
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