So I currently have about 37K in credit card debt (this after a number of years of poor decisions and a recent divorce), I have no emergency fund, and I am not contributing to my employer matched 401K. The CC's are all currently at 0% interest, but those rates will begin expiring throughout next year, at which point I will try to shuffle things around to keep rates as low as I can. I currently pay about $1400 over the minimum's for each on a monthly basis, and anything else additionally that I get goes toward it (work bonuses, etc.).
My immediate goal is to pay that off as quickly as possible, then contribute the minimum to my 401k to get the full match, then emergency fund, and so on and so forth. I know I'm passing up free money by not taking the company match right now (current salary is $89,100 and they match 100% up to 6%), but I detest having the debt and I'm concerned about not being able to maintain low interest rates until it's paid off. And of course, not having the emergency fund is worrisome. I feel like I've taking some recent big steps to try to move in the right direction. For example, I have two kids that live with me 50% of the time, and we moved into a 2-bedroom apartment over the summer, and my 6 year old son and I are sharing a room. This is not supposed to be long-term, maybe a couple years, until I get on better financial footing.
Anyway, I know there is a ton more information I could provide, but I go back and forth a lot on the best ways to proceed and just wanted some kind of reassurances that I am taking steps in the right direction to finally getting my financial life together.