<prompt> Human: Im starting to use my Mint.com account again after neglecting it for a long time and tonight Im making the decision to get really, honestly, serious about getting rid of this debt. Its been weighing on me a lot, especially because my husband and I are trying to save for a house and Im getting anxious that this is hurting my credit. I always was so good about paying down my bills each month. Ever since the wedding I was carrying a balance that has just slowly crept up on me. I come from a family that had a ton of credit card debt and I really dont want to go down that same road. Help me think rationally about this? Thank you!  <response>: You need encouragement? Here it comes:Go get it! You can do it! You most definitely can do it. I did it. Hundreds of thousands, maybe millions of people before you did it too. Many had debts from being an irresponsible adolescent including me, others had debts due to bad luck or an expensive study or whatever. A lot of them have been able to take on the responsibility of paying down that debt. You can do it too. Im not promising that its easy or a piece of cake, only that it is possible - with some hard work and sacrifices from you. But the reward will be there for you, waiting at the end of the 5k!One question would be: are you in this thing together? If you will become more frugal and will focus on paying down the debt, will your SO support you, help you, or will heshe thank you for the extra money heshe can now spend? 