Trying to come up with a plan...

So after going over our crappy credit and what options we have, I decided to see if we can get a personal loan that would pay off some credit cards and a car payment.  And to my amazement, I got a loan.  Not a great loan but it will consolidate our credit cards and car payment into one monthly payment.  I think this will take the burden off of me of trying to make payments.  I do make my payments but the stress has been getting to me.  And we can pay extra to get it down faster.  It frees up our credit cards but the plan is to pay off monthly.  Only for emergencies like the HVAC going or car problems.  We were doing pretty good till I needed to fly to NY to see my Dad.  We spent 500 in that time for car rentals and hotels.  Nothing we planned for but needed to do.  And it didn't help that J's check was crappy in Jan.  I feel like we are always trying to catch up.  I'm hoping this helps.  I'm so meticulous with our finances.  I wish J would get better at that.  At least one of us is but still.  I'm actually excited about this.  I think this will help improve our credit which is most important to me at this moment.  It will hopefully help with financing our IVF.  I'm ready to move forward and this has been plaguing me for the last few months.