I guess I'm going to have to find out what the IRS issues will be, My mother has been out of work since January and will probably be retiring rather then returning to work. So I currently pay the mortgage....... should I pay it a certain way to prove I've been doing so? Will that make a difference to the IRS?
we have about 6000 in CC debt, we also owe about 3000 on our car. The trade in value is only 3500 so were stuck with a payment (and full coverage insurance

) on it for now.
Paying off most of our debt is possible in about a year, with our tax refund in Febuary and being money savvy too.
My real question is, what tips can you give me on buying it (when I do so)? Are there any special first-time programs you have heard about that I might qualify for? I Live in Philadelphia Pa (if that helps).