It's not just that I don't want to, it's that I dont understand how that helps us.
We have loans against those items... And we'll receive pennies on the dollar for selling them.
Even another frugler in this thread said that doesn't make sense to do so.
They were talking about the furniture and I agree there. Yes, there's absolutely no point in selling used furniture since it will net you literal pennies to the dollar at most. The car is a different story though. Based on what you've told us you own roughly $3,500 and have a $400 monthly payment. The car is worth around $13,000 based on your own research, which means:
+ $13,000 when you sell the car this month
- $3,500 pay back dealer/bank
- $5,000 buy used car in good condition (no SUV! Toyota/Honda/Kia minivan or sedan!)
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$4,500 you can use to pay off credit cards CC2 in January 2017.
This move will also free up an additional $530
each month ($400 car payment + $130 CC2 payment) that you can use to pay off your credit card debt. Together with the meals that you're no longer buying for your coworkers (congrats on that by the way, well done!) we're talking about $1,130
every month that you will be able to pay towards your credit card debt. Here's the simple math behind it:
Jan 2017: sell car, buy cheaper used car, pay off CC2
Feb 2017: use $1,130 to pay off CC3 & CC5 -> extra $45 starting March
Mar 2017: use $1,175 to pay off CC1 & start paying off CC2 -> extra $195 starting April
Apr 2017: use $1,370 towards CC2
May 2017: use $1,370 towards CC2
Jun 2017: use $1,370 to pay off CC2 -> extra $135 starting July
Jul 2017: use $1,500 to pay off CC6 and start paying off CC7 -> extra $75 starting August
Aug 2017: use $1,575 to pay off CC7 -> extra $100 starting September
Sep 2017: use $450 to pay off CC4, put remaining $1,225 towards furniture loan, parents, IRS debt, etc.
It is now October 2017, and you've paid off every single dollar of credit card debt, your car loan is gone, and you've got an additional $1,700 to pay off your debt every single month. And all you had to do in order to achieve this is a) sell your car, and b) stop buying lunches for your coworkers (which you already did, congratulations on that by the way!)
Imagine how much more you will be able to achieve if you stop buying and eating/drinking junk, you and your wife start home cooking your meals, and you bring down your grocery budget to $600 per month.