I think if you actually have over $500/month free after all expenses, you should get rid of that CC debt between now and the end of March. Since you can knock it out so quickly, I'd forget about any other savings or EF until that is taken care of.
At that point, you need to make health insurance a priority. One relatively minor illness could trash your whole financial life. You are insuring your stuff - your car and your belongings - and yet you aren't insuring the single most important asset you have - your body. I would find out how much insurance will cost through your husband's job and come back to us with that info to see how it fits into the budget.
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Steve
* Despite the high cost of living, it remains very popular.
* Why should I pay for my daughter's education when she already knows everything?
* There are no shortcuts to anywhere worth going.
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