Try to save a little paper on the side for tha emergency that always pops up when you pay down cards.
I have the same problem plus hospital bills. As long as I’m living tho I ain’t going to stress too much.
We finally got significant pay raises but daycare eats it all up. We can’t attack our debt til this summer. Can’t wait.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*