Stellation42
New Member
I aim to pay off my credit cards and then close them. I owe $5,300 oon one card and $2,835 on the other. Additionally, I have a $27,000 home equity line of credit. My job is reducing overtime, so I’m exploring a second job. Currently, I earn $620 weekly after taxes, insurance, and 401k deductions. My monthly expenses include a $305 car payment, $345 toward the HELOC, $195 for car insurance covering two vehicles, and $115 for two phone lines. My mortgage is $1,785. I’ve been paying slightly more than the minimum on all my debts. While selling my home could leave me debt-free, I prefer to focus on paying off the credit cards first. If I could work 60 hours or more weekly, I would dedicate that income to eliminating these debts. Given my early schedule—I wake up at 3 a.m., start work before 5 a.m., and finish by 3:15 p.m.—I’m confident in my ability to manage a part-time job.
