This week, I have been seeking advice from the community, pertaining mainly to our current budget. It has most definitely helped!
Here is the topic:
First, it started with some reality checks. My wife is a SAHM, and she loves it. However, we may need to have her help pick up some slack. We don't have many options for child care, so she may have to do something on the weekends. However, what is more likely, is that I will be using my Certificate in Massage Therapy to work in neighbouring towns that do not require a massage license. I will be working toward that license so that I may get a better position here in Boise.
Next up, was addressing my high interest credit card. I recently paid off a Best Buy card and have one card left; my Master Card Platinum. While this card is pretty customer friendly (no annual fees), it's pretty high interest (24.24%). One user suggested looking for a lower interest card and transferring the balance. My CU, Idaho Central Credit Union, is awesome. They have great credit cards. So I applied.
Having been in contact with the store manager at the downtown branch where I frequent, I soon found out that they could save us money on our car payment as well! Long story short, I did not qualify for the credit card, but did qualify for a $4,300 loan (covering the current auto loan AND my MC cc) at 4.99%!
We go in on Friday to sign on the dotted line.
It's great to find out that savings are out there just waiting for you!