You have to crawl before you walk. I am aware that this advice is "obvious" but given people's financial situation this is not so obvious. It would be irresponsible of me to not have you guys crawl first. So sit back, soak it in and begin applying it today!
The next part we get into your credit!
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Clarification, there is nothing wrong with helping family IF it does NOT mean your own bills will fall behind. Don't ruin your credit to save theirs.