I don't think you should save at all while you are paying down debt. That takes away money from it that could be used to pay it down faster.   Get the $1,000 emergency fund, refinance if you need to then put rest of the money towards debt then once you are done, save for a 3 to 6 months emergency fund. This should be enough money to pay your bills for 3 to 6 months. ... View more

You can do something called manual under writing. That will allow you to get a ranch/farm without the use of a credit score. However, what worries me is your income depending on what you are buying that may not be enough. ... View more

I say you dont need the house yet. First get a 1,000 dollars as an Emergency fund then tackle your debts. Once that's done save up for a down payment on a house that you can afford. ... View more