<prompt> Human: The Pertinents: Fiance and I have both started our careers, Im in year 3 of teaching and hes in his first year doing a bottom level customer care position for a major company. Our take home combined income as of right now is 4,070.00. We both have extremely bad credit. His is medical bills and student loans, no credit cards and no revolving credit accounts. Mine on the other hand is a ton of credit cards which I havent paid on since I was 19 Current car loan 13,000 23 interest, and 60,000 in student loans, which I am current on. His credit score is in the high 400s and mine is in the low 500s. Our five year plan includes a complete cross country move and being able to buy a home. Here we are in year two and we have not been able to save a penny and our credit is crippling. My questions are What resources should I be looking into?Is it possible to repair my credit to a decent status in the next 3 years?If so how?What kind of monthly budget would yield the most productive financial resullts over the course of the next 3 years if our only mandatory monthly expenses are 975 rent, 200 utilities, 109 internets, 134 insurance,150 student loans, and 346 car payment? I know this is a lot of information but any and all help will be greatly appreciated. I feel so stupid about the decisions I made when I turned 18 and I hate that my 5 year old has to suffer as a result.  <response>: First of all, your five year plan doesnt sound particularly realistic. Given your high amounts of debt And how much credit card debt is there, by the way? How much is the medical debt? His student loan debt? theres no way you can move across the country and buy a home.Instead, you need to formulate a more realistic plan. The first step is to create a budget. Where is most of your money going every month? You have only 1,914 in expenses listed. But clearly you dont have 2,000 in savings every month, or you wouldnt be in this position. My advice would be to figure out your budget. Get it under control, and figure out where that extra money is going. Once you do that, and you can pay your bills on time, youll be on your way towards repairing your credit. But it wont happen quickly with the amount of debt youre talking about... unburying yourself and working on your credit should be your new five-year plan. Home ownership is further off.Once you get your budget under control, you can start working out payment plans for your loans and debts. Also, is the car worth less than you owe on it? If its not underwater, it might be worth selling as well... that interest rate is absolutely obscene and costing you massive amounts of money. Its the only debt you have that you might be able to get rid of easily. 