re: Credit card and bullshite debt??

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nice down payment for home.

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How much did you put down?

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I feel you just have to live with car notes at times. If I had 30 grand sittting around to pay cash on a car I would probably blow some.

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Really? You'd just be 20k in debt now or have 30k to invest with.

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And we are not "struggling"

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I would say you are, 50k debt not including a house.

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People are in much worse situations than us. By then end of the year we should have 4 cards knocked out

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True, good luck to you! Do your best.

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And we are not "struggling". The debt is just looming and we are sick of it. It is just time to suck it up. And the "debt snowball" appears to be the best method.

Before the car notes we went 3 years with both vehicles paid and it was glorious. It is what allowed us to built up the nice down payment for home. One car is paid next month. The second is gonna be a couple years after that.

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Actually, if you do not have excess current cash flow, seeing that you don't have significant savings nor investments, you are struggling. No one is judging anybody but that is clear to everyone.

The objective is to build enough savings after a note is paid to be able to pay cash for subsequent vehicles, not have to finance them in the future, unless one is able to get excellent financing deals and can make a higher margin keeping money invested. Like someone wants to buy a $25k vehicle, is offered .49% financing or similar, and has investments paying yield on cost of > 6% or similar, then it makes sense to use financing.

I have a relative who has consistently made poor decisions with revolving debt ongoing more than 25-yrs. This person is otherwise quite intelligent and very good at math, yet has no time for budgeting or life planning, and once again finds herself with a high balance on a CC and very little in the way of savings while being fully employed her entire working life. It drives me crazy to listen to the conversations of why "x" happened yet again.

Good luck with improving your situation. I am not a Ramsey fan, but if it works go for it. Someone like Clark Howard would seem to be much more helpful longer term for a broader audience regarding consumer habits and getting more for one's money.