Well, you’ve done a GREAT job in getting out from under credit card debt! That means you have the discipline and will power to start making your money work FOR you instead of against you.
I’m going to send you a copy of The Savage Truth on Money because I know you will make good use of it. (I’ll send an email asking for your mailing address) It is designed for people exactly in your situation.
And I’m wondering about a few things that could help me guide you. Do you have a retirement plan at either of your jobs? Does the company contribute to match your contribution? That would be the best place to start setting aside money painlessly. (Savage Truth: If you don’t see it, you won’t spend it!)
If not, are both of you working? You could each set up an IRA with a small amount auto-deducted from your checking account every month. The book will show you how to do that.
Look for my email. Terry