<prompt> Human: I have been trying for some time to get out of debt but with purchasing and renovating a new home Ive found myself 21k in credit card debt. I set a good budget that alloted 65 biweekly each for my husband and I for spending but then i realized we kept using credit cards once there was no cash like for things for the house or for our sons activites or family members birthdays. So I increase our spending budget to 820 a month. 130 bi weekly for individual spening and 300 a month for household spending but ive realized that if I added money to the 1300 a month allotment already established for my credit card and student loan debt that would cut down the time paying those debts from 50 months to 29 months...such a big difference. Do you think it is practical to put all extra money to paying debts or to live more practically while spending debts down more slowly. Also, we still have a good amount of things to buy for the house and i am tempted to putting it on credit and paying it down just to get it out of the way. We cant really wait w or 4 years for furniture most of my cards are 0 apr for now should i do this??Our net income is at minimum 5528 a month we both have opprotunity for OTMortgage, taxes, ins,pmi- 1068Daycare- 560Cell phones- 152Electric- 60Water, sewage- 20Car insurance- 182Internet and home security- 82Groceries- 480- as low as we can get itGas- 200 but sometimes go overOil- 120 month put money no spent during summer in a saving to pay for winter usageFamily spending- 300My spending- 260Husband spending- 2601300 to debtTotal debt 56k  <response>: Please take this as constructive, albeit potentially harsh, criticism.Im going to summarize your post:- We bought a house before we had enough money and now were in credit card debt because of renovations and other spending- We really want to buy and spend even more, but we realize we have no money and lots of debt- ...but our credit isnt complete shit yet, so debt providers are willing to give us 0 for some short period of time- Our budget is a bit of vague mess- We have PMI on our mortgage low equityFrom your post its clear you know that spending on those credit cards is a bad idea. Youre wrestling with wanting stuff NOW vs. continuing to dig the hole youre in deeper.Seriously, please, do not buy furniture and other household goods on credit cards. You cant afford it. Whatever you absolutely need either find hand me down stuff from family, or find used on craigslist. You are a classic Keeping Up With The Jones case. You have lots of spending for your kid, yourselves, your pets, youre giving gifts, etc. Yet youve got a mountain of debt.Fix your budget, find a way to make it a surplus so that every month your debt numbers are going DOWN. The only reason your debt numbers should be going up, for any account, are for things you havent budgeted for and are true emergencies. 