Yes thanks for the advice, i forgot to highlight my current priority is getting the damn credit card paid off, and getting rid of it forever, i hate them, been trapped by them for 10 years, enough is enough. Everyone i know who is financially well off ‘doesnt have a credit card’ but learned of how bad they are in the past.

I intend to pay it off, combine my wives income with mine to start investing in real estate. I can’t work extra shifts without making more impact on my health but i am looking for a new job all the time.

Thanks and im looking forward to any further replies.