<prompt> Human: As the title says I am 30 year old single mom. I make 59k annually plus bonus. W2 for 2015 had me at 65k. I want to get out of debt and get a home for my daughter and I. I owe 13k for a car. I have about 7500 in cc debt. Monthly rent is 950. Daycare is 240 for the month but ends June 10. I just paid 1500 for camp for the summer. I have 3k in the bank. What steps should I take? What are some quick things I can realistically do to be mortgage and home purchase ready by November?Location Hartford CT  <response>: Number 1 first thing you must to is make a detailed budget of every dollar you plan to spend this month. Dont leave anything out. Now see how much you can cut and put every extra dollar toward the CC debt. Feel free to share the budget here and rpf can help cut it further. I would keep the 3k in the bank as an emergency fund, but live the next few months on a tight budget putting everything you can toward the CC debt. Buying a house in November is probably too much of a stretch. I would focus on getting debt free and building more savings before even thinking about that. There is nothing wrong with renting, if you stretch yourself financially to buy it rarely works out well.Take things one step at a time. Here are my thoughts:1 pay off CC debt2 start contributing 10-15 into retirement accounts if not already doing this3 build savings up to full 3 months of expenses4 pay off car debt5 start saving for house down payment on top of emergency fund 