<prompt> Human: My girlfriend and I were offered the opportunity to live rent-free at home for 1 year in order to pay off debt and save for a house. I am 29, currently working full-time, and finishing my M.Sc. thesis part-time. Details Full-time 57k salary currently. An increase to 65k is likely next year. Own a car, payment-free see 1 40k student LOC debt from undergrad degree 3.9 15k credit card debt accumulated during my Masters degree 2k 19.99 interest 8k 9.9 interest 5k 5.9 interestMy questions1 Transportation going into winter leaves me with a difficult decision. My commute to work each way is 30 minutes by car or 90 minutes by bus. My current car is paid off and is a 2-door sports coupe that was sort of handed down in the family. Operating expense as a daily driver is high at 16 MPG and 10 years old with premium priced parts. The car is not suitable for winter driving and temperatures can drop below -30 in winter. For reasons I cant go into here, it holds emotional value, and having received it nearly as a gift I feel I cannot go sell it to cash in.What would you do? A Spend the additional 2 hrsday bussing to work to save 300month time would be worth 7.5hour. B Buy a fuel-efficient winter vehicle and use the 40 hours a month for another purpose..2 The goal behind living at home is also to purchase a house next year. My girlfriend already has 10k saved so I want to catch up. My strategy currently is to pay off the credit cards save whatever else I can for a down-payment in the next year, and then set aside as much as I can to pay the LOC. I would like to buy an engagement ring as well long overdue. I want to get out of debt, but would also like to start our life at the same time, and am having a hard time deciding how to balance the two.For those of you who put everything on hold to pay down debt, do you feel it was worthwhile? Alternatively, those of you living with student loans longer than you had to, do you have any regrets?Thanks for your feedback!edits: formattingAssistant: Your girlfriend has savings. She could buy the engagement rings.Human: Haha, I dont know how well that would go...  <response>: Welcome to personal finance. Therere a lot of guys on here that can balance a check book but dont have a clue about relationships. 