<prompt> Human: This may seem silly, but I cant find a clear answer.Those online how much house can I afford calculators always ask about debt. My wife and I use our credit cards to pay for almost everything groceries, most billsutilities, and then pay the statement balances in full every month. We do not carry any balances over month-to-month. So, for a couple making a combined 75k a year, with our only real debt being two car payments totaling 530mo, weve had our affordability estimates vary from you cant afford jack to 250k depending on how we list our debt. So, while we do want to consider living expenses, we dont want those to be misconstrued as debt since 90 is paid using credit cards. How should we handle this going into the home-buying process?  <response>: Debt is going to be your balance owed after you make your next payment. If you 0 it out every time, then it doesnt count as debt. 