Welcome Shannon and all the other new mamas to this thread. It really is about changing your mindset Shannon. You sound a lot like me in all this.
I completely know what you mean wondering about wether to put Christmas gifts on the CC when you can't even go grocery shopping.
I got into debt so many ways, which I have outlined throughout these threads, but when it comes down to it, when we have had "extra" money, we have spent it, and then when "emergencies" came up, we were "forced" to put them on the CC.
I have found our key is savings, we need to get a savings set up. DH got his first paycheck from his new job this week, so now I know what we have to work with, and it is time to sit down and write down all of our regular expensives, and then start the cash system, meanwhile putting "extra" money (whatever is left after paying minimums) into savings for a while. When I first started these threads, it was all about lowering my CC balances, and it still is, but I realize I need a savings "cushion" to really do that, so first things first.
My plan is still a 2-years out of CC debt and car loans.
My transmission just went in my car which is the only car we can fit all 3 carseats into, so it must be fixed, that will cost anywhere from $1600 to $2400. My dad gave me $1000 yesterday toward it, and we have about $600 coming in from an old IRA dh started which needs to be cashed out b/c the bank is being sold and we can't roll it into his current TIA account.
So- that is where we are.
Welcome to the new mamas, I hope you find the support you need here to Get Out Of Debt.
Megan- how's the job search going for your dh?