DH and I are getting ourselves in order this year, we are finally on top of bills, savings are starting to go up instead of always having to dip into them like we have in the past. We went through a really rough patch years ago and made some really bad money decisions and ended up with bad credit. But I desperately want our own house, that we can make our own. That we can pay off instead of paying off for someone else. And something with a yard for our kids. The place we are living in now does not have enough room. We are out growing it (5 people in a 1.5 bedroom house) has anyone come out the other side of bad debt and purchased a house? How did you do it? Can we get rid of this bad debt hanging over our heads? HELP! Please.