We are starting to head in the right direction. We are off like a herd of turtles, I tell ya!
So the newest plan.....
1) Personal loan that will pay off G-man's retirement loan (which isn't even in my master tally....it is auto deduct from his pay, so I never think about it).
2) Pay off retirement loan, and then in 60 days (per the terms of the acct), take out the max we can and pay off CC1 and Car. This should leave about 12k that we can use towards a refi.
3) Refi the house. In order to avoid PMI, we probably will need some cash (see #2). Hopefully we will still have a little left over to fund an emergency fund, maybe to pay off loan (see #1).
All of this, plus other changes we recently made, should increase cash flow. This plan will take us roughly until Jan. 1, which then we will see where we are. It is really all just a reshuffle of the deck. The debt really doesn't go away, just is redistributed. Once all the redistribution happens, THEN we are in a situation of repayment.
I think I will feel better when I start to see things decrease. I am still upset/frustrated/sad that we are STILL not at a place where we are breaking even. This plan makes us just go LESS in the hole each month.