CCFreedom, I was once in your situation. With working lots of overtime and staying on a budget, and bringing in roommates to offset part of my mortgage monthly payment, I got on track and things got better. I know, you hate the thought of roommates...me too, but there was a time bringing in three others into my 4 bedroom home paid off.
Perhaps you can rent out your house and move in with the BF or cheapo studio for a few years?
Aggressively save, save, save....things will get better...sound like your BF is a luck guy, BUT most successful men will never marry a woman with messy finances...and the GOOD NEWS is that your case is a lot better then others, so it's not terrible....it's a little mess not a big one....
I was dating a physician who brought in $14,000 net a month, but her financial life was ten times worse then yours, and the short story is that I left her because she had 6 figure credit card debt, 6 figure student loans, and she was severely upside down on 7 rentals in Florida, only 3 having tenents....she is now in bankruptcy....I have no regrets for leaving her...but your situation is not as bad as you might think...you have a lot of hope!!!
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