we're willing to ANY suggestions!!
Are you sure?
Because frankly, I think it's a little shocking that you are so determined to pay off $6500 in credit card debt and you don't seem troubled at all by the $50,000
elephant in the room.
Am I reading that right that your monthly payment on the jeep is $771
? Lee, can I put that into perspective for you? I graduated from law school with six figures in student loan debt, much of it at a variable interest rate, and my payment never got that high. And even with a medium-six-figure income, the debt was stifling to me. (I finally got out from under it, and was able to leave a soul-numbing job, and let me tell you, I will never again put myself in the position of HAVING to earn a certain income. The annoying people who scream about how repaying debt equals freedom? Now I know what they mean.)
Just something to consider, because you make a decent income, and there is still an opportunity to pare down your expenses (like the $800/month fun allowance) to get really serious about tackling the debt. But I agree with the balanced take that mallow gave. In the end, it's your life.