Thank you all so much for the warm welcome! I read all your comments, thoughts, and suggestions! They were very appreciated!
I actually wrote this last week and tried posting it several times, but with all the issues the site was having, it got lost somewhere in the interwebs.
After reading some of the comments I was a little concerned that I painted too dire a picture of our financial situation.
Although I HATE our debt, I want to be clear that we are not struggling or living totally paycheck to paycheck (although we have in the past).
We do have savings. In the bank we have 3 months of bare bones expenses: mortgage, utilities, gas, and food. I know conventional wisdom says we should take that money and pay off our credit card debt, but it brings us peace of mind during this crazy time.
The Husband and I have both been very lucky during this pandemic and we have been working the whole time. However, we know that things could change very quickly in this economic climate. My job is pretty secure. I am a public school teacher, but The Husband works in the private sector and we want to be as prepared as possible for any sort of job loss. That is part of the reason we are trying to get rid of our credit card debt so badly. To clarify, we do not anticipate anything happening to his job, (in fact he was asked to work overtime this weekend) but we want as many of our ducks in a row as possible, just in case.