re: Credit card and bullshite debt??

quote:

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No. There is a TV (I only go pimp with TV) that is on a no interest Best Buy card. Also a badass tempurpedic that is no interest as well. But they knock it down to 49-50. We just need to really get this shite under control so we have breathing room when more "life" happens. Like a AC dying or major auto repairs

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No one who is financially stretched should ever buy consumption items on "0"% terms as the retailer has a very good reason for providing supposedly free financing and it is not for your financial benefit. If a consumer doesn't have the means to pay at the time of purchase, or has the means yet spends the repayment on other things prior to the retail contract coming due, then they are screwed. You are your wife should get serious about getting, and remaining, out of a consumerist lifestyle unless you can truly afford it, if then. HVAC replacement, etc, happens when you own your home or other RE, maintenance/replacement can be expensive, plan for it and it doesn't put you in the shitter when it inevitably occurs or get a home warranty as a bridge until you are financially stable. Yet another reason why people should never stretch to buy a house. Spending/consuming is a mindset, much like saving/investing is a different mindset, with a kid and factoring future expenses giving up blowing cash you don't have should be priority one. Spending $40-$75 a pop numerous times a month on useless shite adds up over a year, identify it and work on it.