@Aaron Zimmerman has some good advice.To provide a bit more data here, the average household spends about 33% of their income on housing, 17% on transportation, 13% on food, and 8% on healthcare.Those are the biggest expenditure categories, so you can build up your savings base more quickly by trimming expenses, starting with the biggest fish first.In terms of housing, you have great pointers from folks like Nadeem Alamgir.

If this message does not get anyone to helpme fix this issue then I will have to call my credit card and file a claim.....UnfortunatelyI seem to have run out of options.I'm copying @Noah Bacon on this.  

It made my quality of life better and I am not even exaggerating.My boookkeeping servcie has access to all my bank accounts (view only) and they reconcile accounts with income, expenses and credit cards.

I have $0 in student loans and $0 in credit card debt.

Because of this, many VA borrowers qualify for more than they initially expect, especially when they are house hacking.On the debt side, your two car payments and credit card minimums total around $1,420 per month.

My credit card company allowed the charge of $390.00 to go through and say because it was a recurring charge that they can do nothing about it now.

U know like banks that have long lost accounts.. escrow money that is refunded and cant find the borrower ( this happened to me personally LOL)  those funds go to the transportation department at the state.. so who could figure that out with out a little digging. 

I'm posting again because I had added a link to my digital business card, and the post was deleted.

I'd view the pro account like an AMEX card.

Two tips: talk to a lender now about HELOC vs. cash‑out refi so you know seasoning rules and how your current credit card balances impact approval, and run the math to see if pulling equity still leaves you safe on payment and reserves.How much equity do you estimate you have, and are you aiming to buy your next place in the next 6–12 months or later?