It sounds like you are on a good track on managing your money. You are attacking the credit card bill for Walmart and paying it off little by little. The hard part is you are on a fixed income and don't have the ability to increase your income. Only thing I can think of there is perhaps selling some things you don't need at a consignment shop. Or maybe there are some small things you can do to earn a little extra money, such as babysitting. Or is there a skill or service you can do from home? I realize you are on disability so that may not be possible.
As far as managing your budget, you just need to go through line by line every cost, including
housing and see if there are possible things you can do to save money. You of course need to make sure you have enough money for groceries as this is your first priority. I don't know your living situation, but is it possible you can share housing with a relative or close friend? This way you could share your housing costs and utilities. I realize this may not be possible, but housing is one of the largest household costs.
The other thing is to try to start an emergency fund for the unplanned items like car repairs that come up. While you are getting an emergency fund saved up of at least $1000, you might even slow down the payments on the Walmart card a little (just making minimum payments) until you have an emergency fund saved up. Whenever you use the emergency fund, then you would save again until you have at least $1000 cash available.
Once you have an emergency fund, it definitely makes sense to prioritize paying off the Walmart credit card again.
Hope this gives you a few ideas.
EST Grand Rapids Michigan (yes same time zone as Maine)
If the first thing you do when you wake up in the morning is eat a live frog, then nothing worse can happen for the rest of the day!" Mark Twain
If a man really wants something he will find a way, if he doesn't he will find an excuse." Stephen Dolley, Jr
It is not enough to take steps which may some day lead to a goal; each step must be itself a goal and a step likewise.
Johann Wolfgang von Goethe
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