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Originally Posted by disneysteve
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You need to make retirement savings a priority over college savings. Your kids can borrow for college. You can't borrow for retirement. Putting away 3% of income (6% counting the company match) just isn't enough regardless of your age. How old are you both by the way?
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I am 27 and DH is 29.
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The fact that you are able to pay $245/month over the minimum shows that your budget isn't in such bad shape after all. Just be sure to also pay off #1 before the 0% expires.
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That is the plan. 
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Do you both really feel that selling the house is necessary? Are you doing that strictly to save money or are there non-financial reasons, too? From what you've posted so far, I'm not sure I see a financial need for you to get out of the house.
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Yes, there are other reasons. The school system is much better where the other house is. Plus with DH being in construction, we plan on saving for the 20% down payment on building our own house. Living here we just don't see that possible. And the idea of saving 600-700 dollars a month to put towards credit cards is VERY appealing to me. Am I wrong in this sort of thinking?
I worded my initial post incorrectly. We are not putting all the groceries and gas on the CC, but usually by the end of the month it's groceries here and there that have to be put on there and gas also. So, I'd say it's about $100-$150 a month on the CC. I see now that I probably shouldn't be spending the extra towards the CC's and should be just keeping it to get us by at the end of the month, right?
We have also completely stopped dining out. I have a menu planned for the entire month and we stick to it totally. I plan it according to sales and we stock up at Aldi's (which is very cheap on things). In reading this board, I already feel in more control of our debt.
And I've already sent the email to the insurance agent about cancelling all 3 whole life policies. I will make the call tomorrow to cancel my whole life policy.
