A bit of background on us

While we were in school and underemployed, we never had enough money to pay all the monthly expenses, so each month we would end up putting something on the credit card. Despite our resolve to pay it off the next month, it never happened, and the balance gradually grew and grew.

Later, during the times we were earning a steady paycheck, we weren't able to make headway on the debt because we weren't earning enough (the military does not pay their lower enlisted soldiers very well). We were living pretty frugally, but there was still only enough to cover the bills and the minimum payments.

When Mr. S got deployed, our daughter and I moved in with family to be close to them and to lower our expenses so we could pay off our debts.

We actually made significant progress in paying off our credit card debt and even managed to put some money in savings.

However, when Mr. S returned and didn't find a job right away, the savings got used to pay bills, and we started running up the credit card again. While looking for a job he started his masters degree, so at least he's got a good start on that, even if we are more in debt than we were before he got home.

Once Mr. S starts working, we'll be putting as much as possible of each paycheck toward paying off the credit card and other debts (the car and my student loan). We'll be living as frugally as possible while still enjoying life.