Ok so I ended up doing a balance transfer to a card with 0% for 12 months. That will really help get our debt down. We had some recurring charges that went on the CC so I changed them to come out of the checking account (Ben’s food and my pilates classes). I feel like I finally have a good handle on our budget and I’m not as stressed out about it. Now I’m just impatient and want to get it paid down as quickly as possible since we’re going to need to move soon. We really need to be able to afford more in rent than what we can now. There’s only a few places on the market right now and they’re not going to work.