In need of a little guidance
Hey Everyone,
First time poster but I'll lay out my situation as best I can. I do want to start of by saying I have gotten MUCH better on the frivolous spending such as out to eat and unnecessary purchases. I have only gone to the gas station 1 time in the last 2 months, so i think I am in the right direction as far as my spending habits are concerned and I'm ready to start chipping away at the debt so I can get back on track to have emergency funds and not stress money as much
I am 36 years old and live in a pretty LCOL.
income as IT specialist per month after retirement/healthcare taken out- $3896/month (paid once a month)
What gets taken out-
mortgage with escrow - $1050
Electric/water/sewer/trash pickup- $200 (usually 145-170)
Gas- $72 (locked in price, never changes)
phone - $64
Spotify - $25
YouTube premium - $15
twitch subscriptions- $35
school loan - $50 ($3k-ish left)
car insurance - $152
Lawn care - $50
HVAC membership- $30
Chase credit card- Minimum $343 ($11,094 balance)
AC replacement (full condenser and labor)0 - $150 (balance remaining $5,173)
house renovation / BS spending consolidation loan- $824 @ 15.79% through USAA ( $38,218 Remaining, I am a Veteran but I feel like this is a high %)
If my math is right, I normally have around $800 left for groceries/gas for car (prius thats paid off with a 10 mile commute)
I guess my question is is there anything I could be doing different? I feel as if I am drowning a bit due to stupid decision in my younger days in the military of just using credit cards and transferring and just being stupid with money. I do have almost 3x my salary in a 403b and maybe $2k in a HYSA I treat as an emergency fund but I know i need to do more.
If this needs to be put into another subreddit or formatted differently please let me know.
Thank you for taking the time to read.