Check here:
Annualcreditreport.com
That is what we use. We don’t make money on this. You should check your report just to make sure there’s no garbage on there from someone else, or something you forgot about!
HOMEWORK: Get this on PAPER! Write it all down and then maybe rewrite it so it’s in some sort of order. Let’s get all the info down so we can start an actual budget. Remember, a budget is spending money on paper first, before we spend it for real. This way we all agree on where and how much to spend!
Also, keep working on your EMERGENCY FUND!! $1000 (or $500 if you really can’t even). It will change your life and remove the need to constantly reach for that almighty credit card.