<prompt> Human: I do the finances in the house and collectively between my wife and I we have 22k in CC Debt. I feel like I should be freaking out but I am not. I am uncomfortable with the CC debt we are in but feel like I made good financial decisions with the Credit Cards at the time.One card that we used has an 18 month no interest option that we used and pre-paid off our childs school tuition, car insurance and gymnastics for the year which gave us discounts for paying those in full. Each one was about 2 or 3 and roughly put about 9k on that card but saved 300 dollars doing so by paying in advance. We used the remaining to buy some odds and ends things for home repairs and got that card up to 10.5k. The promotional interest rate ends in November of 2019The next card is our Amazon Prime card which we have about 1.5k on. The card collects about 25 dollars in interest a month and we put about 350 a month onto paying that off. Our annual subscribe and save is on the card which is about 110 dollars. The card that I get stressed about is our capital one card which has about 11k on it and is collecting the full front of interest. Interest is around 200 a month and we have knocked it down from 13k in the past couple months. We used this card for a Disney trip in which we put about 8k on it. We bought luggage, stuff for the house and a few other odds and ends that put the other 5k on it. Basically we got a balance and went wild beyond Disney. I justified Disney because 8k was not a lot to me and I would have been able to pay that off by March. I also justified Disney because we are so strict with our money and our kid is five and we wanted to give them the full Disney experience. We figured what point is living if we are going to be debt free by 36 but didnt enjoy the time until then. With the accrued interest during the time frame I think I could have paid the trip back on it was like taking out a loan at 6 interest which wasnt terrible in my mind. I just feel really guilty about having this much CC debt and feel like I fucked us as a family. Budget wise I think we are fine I just cannot get over the soul crushing guilt of Credit Card debt. Maybe I am not fine with my budget I dont knowWe are 30 years old and our incomes together are about 110k a year. Our house we owe 50k left and our mortgage is 700 a monthBills for electric, cell, cable, water, life insurance, gas are 600 a monthMy wifes car is paid offMy car is almost paid off with 8k left on the loan and should be paid off 3 years early. We have no other outstanding debt other than some student loans that I will have to pay on once I finish grad schoolAt the end of the day with our bi-weekly paychecks we have about 2k a month to go towards un-budgeted debtfungasfood. I think we are fine but just am not sure. Edit: thank you for the advice I did a balance transfer on the one card that is accrueing interest so that it is 0 apr for 18 months. We will still try to pay it off by March but I feel a little bit less under the gun. Will watch those cards in the future they are easy to get out of hand  <response>: you are spending money that you dont have. and will continue to wrack up debt until you stop spending more than what you have. 