[debtfreeme]

If you are a sahm make sure that you open a spousal roth ira as well. Then you can each save 4k per year. This is very important.

Transfer to 0% card as much as you can but do not go over 75% of your card utilization as this will affect your score. transfer what you can and pay off the other wuicker. start with the higest rate card.


with 3 kids and planning for a house i would aim my ef saving to about 10k to be honest. then when you save for a house make sure that the future of your emergency find is at a minimum 6 months or ALL expenses. If you are going to have 3k to save each month, post paying off the cards. This should take no time at all to get to 10k, bank it someplace and forget it is there.

Then start saving for a house doan payment. investigate different ways to get the down payment often there are programs with grants or very low loans to get the down payment together, but make sure you have a minimum of 6 month in your ef of all expenses and even ones you are not expecting.

What about yor cars or transporation issues? are you going to need to replace any vehicle in the next two years?