u/PM_Me_Your_Diseases

Hello,

Chase card 1: $11,033 APR 26.49%

Chase card 2: $13,254 APR 26.49%

Capital One: $6,103 APR 23%- I missed a payment and was offered 9% APR minimum payment of $92 a month, I think I will take this unless someone suggests it is a bad idea.

Citi 1: $5,872 APR 0% until September 2027

Citi 2: $2,609 0% APR until September 2027

My salary is $95,625. After taxes, 401K contribution, health insurance, I take home $2,174 bi-weekly.

I do get a bonus in March and it’s 10% of my income, after tax it is like 4-6K.

Rent: $2000

Car: $345

Car insurance: $200

Groceries: $300

Storage: $180

I currently don’t have an emergency fund, which contributes to the debt now. Should I save some of the bonus for that? Should I knock down my 401K contribution from 4% to 2% temporarily?

I plan on putting bonus directly to debt when I receive it, just feeling anxious because I am due in January.

I also plan on changing health insurance when I can in November, I am currently on a HDHP for myself and partner which contributes to a lower paycheck.

I have listed some things on eBay/depop to sell to help as well.

I have minimal stock, like $1,700, should I sell and use this?

All advice is welcomed

Any recommendations for a good vet? My younger kitty has asthma, so just want to find a good vet who is knowledgeable! Thank you