Use your fiancée's credit or a combo of both of yours. Making 6K a month is quite a high household income. I would get whatever place you can for a year because it is better than where you are staying and will preserve your relationship with your future in-laws. With that kind of income, you can surely build up your credit in the next year so you can be on your way to a better lifestyle. It is time you pull in the reigns and stop ALL unnecessary spending. Go on a spending freeze.
I had to go on a spending freeze one year when things were really tough. I had a $900 a month mortgage and monthly reoccurring bills (credit card, heating oil, electricity, car insurance, etc...) and stuck to a strict spending freeze on $22K that year, with two children, all by myself. So, you have $72THOUSAND dollars and should be able to have some control over getting your life back in control.
· 11 months ago