I would lean towards paying off the cards and getting loan for the car since car loans tend to be less interest AND usually don’t change rates for the term of the loan.
But as the same time, it seems to be strange to trade one loan payment for another. Since tax returns are still months away, can you save money for a larger down payment in the mean time.
and it is great! you see exactly what you have to spend for each budget. there is no guess work, because you can physically see what money is left. once the money is gone, you are done with that part of the budget until the next paycheck. Since you are paid once a month, you budget should be easy to get started with guaranteed payday loans online, yes it is very overwhelming at first, but keep it up and it gets alot easier pretty quick. First thing you want to do is before spending a penny, is get all your bills together, and the budget form, or even just a plain piece of paper. the budget from might help you from forgetting something though. at the top, put in the ammount of your check, and just go down the list entering in all your household and car bills. subtracting as you go, so you have a running total of what is left. put in what you need for food, entertainment, and any other categories you need to fill in. the last thing being your unsecured debt. put in the min payment sof all those debts. and once all is filled in, what you have left you want to put in your bef., once bef is at $1000, then you move that money to your lowest debt on the sheet, and you work the debt snowball that way.
By the third or forth month, you will have a good feel of how it will go. every month may change, but it should be pretty close for you by this point, month to month.