[Well Spent]

If I were you I would split the $800 between emergency savings and paying towards your debt. And i'd do the same thing with the $700 you're getting in a few months.

I am very concerned about the $47,000 cc debt. This agreement you have with your estranged husband - is it a legal contract? is it in writing that he is going to pay it instead of giving you child support? or was it a verbal agreement between the 2 of you? since you are the primary user and he's an authorized user, he could easily screw you over and leave you responsible for it. You should really deal with this now. I'm very wary of this aspect of your financial life. As far as I can see, it is the most dangerous part of your story. Think about it, if he mkes a low income and his work is unstable, why would he agree to pay 47,000 in cc debt instead of chld support, which would be much lower (in my opinion) because his income is low?

I think he's trying to avoid paying child support for your son and the cc debt. I smell a rat here.