So last year, I had a veterinary emergency for one of my pets that was not covered by his pet insurance. It blew through my savings and then some, but at the end of it, his quality of life is much higher and his life expectancy is normal. I'd do it again.
Except now I'm stuck trying to crawl my way out of the debt and that's been a challenge. I don't make a ton of money but live in a HCOL. I've been trying to avalanche it, but aggressively doing so has made me not as financially stable on a day to day basis, so it's hard to break the credit card habit. We don't eat out much, I've cut my expenses where I could as well. I used to do gig work (dog walking) but then due to a back injury had to switch to a 9-5 desk job. I've been at that job for about 3 months, and can probably negotiate for a small raise in another 3 months or so.
I'm at a loss for what to do. I want to keep my credit in solid shape (it's about a 750 now, and I've never missed a payment). I have several solid lines of credit (I have the card that all of this went on, the balance transfer card I opened to help reduce my interest rates, and a Target credit card). I could get approved for a decent loan but I don't want to jeopardize my credit for too many account openings and closures... I'm just at a loss.