<prompt> Human: I have seen plenty of posts regarding personal loans and credit card debt, but my situation is a little unique due to no cash reserves and needing to move within 45 days. So I am asking for advice as to whether or not a personal loan is a good decision. nbsp;Some background. My wife and I currently net a combined 6400 a month. We have been paying 1400 a month for rent, 1200 a month for daycare, 520 a month for a car payment 0 interest, about 1100 a month towards credit cards minimum payment is roughly 575, in addition to other expenses such as cable, car insurance, utilities, and cell phones that add up to about 600 more, at least 250 for gas two cars, one with decent commute and the rest for food and diapers, household supplies, etc. We have the following credit cards:nbsp;7500 limit. 7400 balance. 16.05 interest6400 limit. 4800 balance. 15.24 interest6000 limit. 5100 balance. 22.49 interest5700 limit. 4700 balance. 22.90 interest5500 limit. no balance. 22.90 interest2000 limit. 1700 balance. 15.49 interest1800 limit. 600 balance. 20.49 interest500 limit. 270 balance. 22.15 interestnbsp;I had actually done pretty well about 2.5 years ago paying down my debt and getting my credit into good standing around 730 credit score, hence the 0 interest on the car with about 2500 in total balances. Then we went through a bit of personal troubles starting with a death of a grandparent that we put 3500 toward for the funeral, and a few other things that strained our relationship. During that time we didnt really budget or manage our money at all. In hindsight I think we thought we could buy happiness. About a year ago we started and paid for counseling. It opened our eyes to a lot of things and we started getting back on track and set up a budget assuming our rent of 1400 would remain stable. I managed to pay off the 5500 credit card and figured I would start the 5700 one next. But I have been putting all of our extra money towards this. About 2 weeks ago we were given a 60 day notice as the homeowners of the house we rent want to sell. nbsp;My question is since I have no reserves at this time for first months rent plus security deposit, I feel like a personal loan may be a good option for me. I am thinking that I can try to take a loan for my cards with interest higher than 20 as the calling around I have done leads me to believe I can get a loan around 17. I can also take on a little extra to try to help with the security deposit. Do you think this is a good decision or do you think there is a better alternative?  <response>: I have a hard time believing that youre hurting for money like this with 45 days advance and that much monthly salary. Im seeing like 2k of money floating in there unaccounted for. What are you spending this money on? Trim the fat and dont take on more debt. 