Lilyka gave you some good advice. We also had a rental property, we owned it for 4 years, 2 of which we lived in it (lived in the bottom floor and rented out the top). That house was good for us in a lot of ways, we were able to own a home where 2/3 of our motgage was paid by the tenants, living there was cheaper than renting anywhere else and we weren't "throwing the money away". When we moved out and rented both apartments, we were making about $150 a month over the mortgage for that house. We found when we didn't live there, it was much harder to "landlord". The tenants would leave Christmas decorations up until March, etc (and we really cared about the neighborhood). We realized it was getting to be about time for a new roof, which would've cost $5000 with dh and his brothers doing the work, we realized that would erase our profit for almost 3 years on the house, and that didn't count anything else that might come up. We decided to sell the house to the downstairs tenant, and we made a profit b/c of not having to pay a realtor.
Do I have a point? The windows. How much would new windows set you back, in comparison to the amount you'll make off the place when you rent it? I know here- new windows vs. old windows would make no difference in rental value and only a small difference in sales value. Our home has original windows and the house was built in 1925. We aren't sure we are going to stay in this house, so we haven't relaced the windows yet. Here windows run about $200 a piece installed, $75 a piece if you can do it yourself (these are minimums).
I would consider a loan to pay off the CCs and car loan (wow- that's high car loan interest), but as was already mentioned, to get out of debt, you MUST change your ways and make a serious committment.
ETA: we had GREAT luck with tenants, we were VERY specific- no pets, no smoking, must have 2 apartment references (b/c remember if they are awful, their current landlord may lie and say they are great just to get rid of them). Our tenants were NEVER late with rent and took very good care of the apartments (even if they did leave Christmas decorations up too long
) I think we got great tenants, b/c #1- it's a small town where we know lots of people, #2- I am an extreme hard a$$ landlord (and they know this up front), #3- my dad was the sheriff- so criminals stayed away and people knew the sheriff's office handles evictions 
.
Do I have a point? The windows. How much would new windows set you back, in comparison to the amount you'll make off the place when you rent it? I know here- new windows vs. old windows would make no difference in rental value and only a small difference in sales value. Our home has original windows and the house was built in 1925. We aren't sure we are going to stay in this house, so we haven't relaced the windows yet. Here windows run about $200 a piece installed, $75 a piece if you can do it yourself (these are minimums).
I would consider a loan to pay off the CCs and car loan (wow- that's high car loan interest), but as was already mentioned, to get out of debt, you MUST change your ways and make a serious committment.
ETA: we had GREAT luck with tenants, we were VERY specific- no pets, no smoking, must have 2 apartment references (b/c remember if they are awful, their current landlord may lie and say they are great just to get rid of them). Our tenants were NEVER late with rent and took very good care of the apartments (even if they did leave Christmas decorations up too long
) I think we got great tenants, b/c #1- it's a small town where we know lots of people, #2- I am an extreme hard a$$ landlord (and they know this up front), #3- my dad was the sheriff- so criminals stayed away and people knew the sheriff's office handles evictions .
:
. It's funny- people around here (new neighborhood) keep white lights on their bushes year round- lighted. It looks pretty.
to all those who are new to the thread!!! Well we had pizza out tonight that was our big waste of money! 
: It has been literally been every single weekend since mothers day that I have a gift to buy! That is our biggest problem! What will everyone do that doesn't cost a fortune for the 4th? Have a great holiday. Oh and thanks for all the great suggestions for the baby shower!
