Should I set my expectations at living paycheck to paycheck I’m a single(don’t split finances with a partner) 25 year old currently making 51,000 before taxes roughly 3,188 a month.My credit card balance is 10,760 with a 176 minimum payment(I’m on time). I haven’t started paying student loans but when those resume In September I have a total of 86,459.92 in federal loans.The smallest student loan is 354 …

Advice on how to maximize these funds and go from paycheck to paycheck to just being able to breathe for once? I’m 43, married, two kids ages 2 and 6. I work, wife currently stays home with the kids. My job isn’t great ($43k a year give or take) but I sell on eBay as a second job. Both of our vehicles are paid for but we do have our mortgage and a few credit card bills, along with normally utility bills and the sort. We have pretty much been in a paychec…