<prompt> Human: I posted this to rFrugal earlier, but I thought we could have a good discussion here too. Jesse, founder of You Need A Budget YNAB, has written a great article about debt and how he thinks you should treat your debt.YNAB -- Dont Hide Behind My Rules: You Have One PriorityIn general, his post reminds me of the classic Mr. Money Mustache principle, Your Debt Is An Emergency -- when youre in debt, according to these theories, you should work day and night until you are freed from its clutches, with only a grudging exception for good debt like a mortgage.So, PFers, how do you treat your debt? Dodid you treat any debt you havehad as a huge, flaming emergency? Has anyone here sold everything they owned to become debt free? What do you consider good vs. bad debt?  <response>: Earlier this year, my husband and I finished paying off 60k of credit card debt accumulated from my husbands divorce to his first wife, a spell of unemployment for me, and paying for a lawyer for a lawsuit my husband was involved in. Yes, we did treat it like an emergency, and frankly thats why we were able to get rid of it in a little over three years. However, that doesnt mean we subsisted on only ramen and wore burlap sacks in a dank basement apartment. We are both professionals and advancing our careers means not looking like a hobo. I researched and took advantage of sales and timed buying to keep our wardrobes in reasonable shape while we paid our debt off. This meant Target shirts for my husband rather than random trips to Nordstrom, and that was okay during that time period. Trolling Marshalls and TJ maxx for the best deals actually became kind of fun, and we got good at not splurging. We cut cable but still paid for Netflix. I pay for fancy hair cuts, but grew my hair long so that I could go 8-12 weeks between cuts instead of every 6 weeks like clockwork. We cancelled our gym membership and used Xbox fitness or ran outside. I think it all depends on what your definition of emergency is. Was spending 8 a month on Netflix wrong? No, it kept us sane while all our friends were watching game of thrones. You have to do whats working for you so that you pay down your debt timely but dont go crazy. 