<prompt> Human: Expenses. Im paying 420 a month for my car. My student loans are in forbearance until February. Theyre normally 200 a month.I work part-time and take care of my two-year-old son. If I worked full-time and put him in daycare, Id lose half my income.My jobs are on an as-needed basis but I make between 2-400 a week. Im married and my spouse pays for the apartment and utilities. Hes bad with money and tends to rack up debt unless I handle the finances. Ive come home to the power turned off or cell phones being turned off. Weve caught up on all of the debts he accrued and I paid off all of my credit card debt. Unfortunately, the bills were in my name so my credit score dropped from 750 to 515. Ive gotten it back up to 600. I do not have any credit cards at the moment and was trying to hold off on getting one until I got my overall debt to less than 30,000.Theres 3,000 in savings. Its meant for my son and any incidentals he needs. I try not to spend the money unless its an emergency, like my car breaking down. Making about 1000 a month, I pay for my car, gas, groceries, cell phone, and put money into savings here and there. I never have enough to pay extra on my car loan. What should I be doing to help pay off my 20,000 car loan and 30,000 student loan? When I call about refinancing, different people offer me different amounts. The car loan they cant do anything about. The student loan payments I can get as low as 180 or as high as 300. It usually depends on the representative Im speaking with. To answer a few commonly asked questions:I work in childcare and need to transport kids in my car throughout the week to activities. This requires having a larger car that can fit multiple car seats. Furthermore, my spouse and I share one car. This prevents us from selling it. The area I live in is not terribly affordable but its where we work and live. Daycares average 2,000 a month. There are no family or friends available to watch our son for an affordable price.I also do housekeeping and pet sitting. My son comes along when Im watching kids if his father isnt available to watch him. I dont bring him along when Im housekeeping because hes young and doesnt understand how to be gentle with things. As for my spouse, he doesnt believe in scrounging and saving like I do. He feels if he earns his money and pays his bills, he should spend the rest as he chooses. I dont agree with this philosophy but trying to see eye-to-eye on the subject leads to arguments. Initially, we did share expenses but that led to frustration. Now, we share some expenses while we divide others. YES. The car is expensive and I should sell it. However, I still owe the better part of 20,000 on it and its appraised closer to 15,000. That means its a 5,000 loss and Id have to have money to go buy another car. I do not have that kind of money at present. Assistant: Your husband is bad at finances. Make it clear to him that how he feels about money is irrelevant because he is not an expert at managing money. In fact, hes the quite the opposite. Pay down your car payment and sell it. Get something less expensive and reliable. Perhaps a 9 year old 4 door Accord. That will help. If you arent saving for retirement, then you cant afford things like cable TV or cell phones with data plans. Human: I switched over to getting my own cell phone plan which I pay 25 a month for. I have my own retirement savings Ive started. Its a direct deposit of 15 a week into an account he cant see. Id like to pay down the car and sell it. Unfortunately, thats going to take a while with how much is owed on the loan. I need to budget extra money each month that I could pay towards my car.  <response>: As you stated in another comment, there are some serious issues with how your husband is treating your guyss financial situation.. before you take everyones advice here, you need to attack that underlying problem. Open a secured card with a 200 balance. I know you dont want to use credit now, but if you buy 1 on it a month youll start repairing your credit today. 