I have a very important long-term goal that's to own my own home. In the time of three years, I hope to be turning the key on my own house/ condo. I have a lot of changes to make in order to make that possible. One would be getting my debt under control. About four cards that is about 5,000 to be paid off. In order to do so I have to get other job. The thought I have is to do one at a time. After paying them off see which card I want to keep spending on and the ones i will just keep paid off. It's going to be hard as a single mother to do so because time is my worst enemy. To even be consider for a loan I would have after getting the cards together maintain my score. The way I would get that done is to spend on the card an pay the full amount off and go beyond the minimum payment. My spending habits have gotten out of control, but I know I can work on it, if I want to give my kids a better way of life. We need more space and I want to have something I can pass down to my kids. Owning a home will allow me to save more than renting believe it or not it's more at this point to rent. The rent is raising rent is becoming a more common thing. This is my long-term goal and I will achieve it and be happy.