<prompt> Human: My husband and I got married last year and want to get a joint account to make paying bills easier, the only issue is that we have debt spread across several different banks and Im not sure the best way to proceed. Bank A: I have a chequingsavingsvisa - total debt 1300Bank B: I have a chequingsavingsline of credit - total debt 5000My husband has a chequingsavingsline of creditvisamortgage - total debt 15,000 not including the mortgageBank C: My husband has a line of credit - total debt 30,000Bank D: My husband has a mastercard - total debt 12,000We both use Bank B as our main accounts, I get my maternity leave benefits direct deposited into my chequing account and pay the household bills then transfer whatever I can into my husbands account to cover the mortgage which comes out automatically from his account. We are pretty close to our credit limits or at the credit limits for all of our borrowing so we cant really transfer everything into one line of credit, as much as I would like that. My husband also hasnt been working for a year and has only just gotten a job so we have gotten even further into debt this last year because of that. What is our best course of action? Also any other get out of debt advice would be appreciated...  <response>: Making an accurate, comprehensive budget is probably your best first step. You need to know how much money is coming in and how much is going out in order to make meaningful plans for paying down your debts. I dont see why you need to open a joint bank account - it looks like you already have more than enough bank accounts. If you actually want a joint account you can add the other person to an existing account. 