<prompt> Human: Hey guys, Im a young guy who has been rushed into making many decision. In the space of 2 months I went from moving out with mates, got a small credit card to buy some furniture which didnt happen, to going on a long term trip to Mexico. I know I shouldnt be going on the trip if I cant afford it but I am and I dont want to end up broke in another country. Would getting a personal loan and then paying out my credit card be a better option in regards to the interest and payback?  <response>: How do you intend to pay it back? What happens when you get home, you racked up a bunch of debt in Mexico, and you still dont have any furniture? 