<prompt> Human: I have one bank credit card, and two other store based cards. All together Ive got about 5K worth of debt. I make 9hr, my boyfriend makes 9.50, and I feel like were living paycheck to paycheck. We have no savings, as there is no spare money. Would it be smart to get another credit card to use for emergency money?  <response>: You would probably be better off focusing on cutting any unnecessary expenses and improving your budgeting. 