<prompt> Human: Greetings all,I have about 9500 in credit card debt. My card is through USAA and has an apr of prime 6.65 currently just over 10.I have an I-Bond bought in 2001, which is currently earning just over 3.5.I earn a fair bit of income, but we live in an expensive area, and Ive historically been free with money on a small but deadly basis. I often spend between 5-20 a day on lunch, snacks, coffee whatever.My wife who is much more financially conservative, and has recently started working has challenged me to live more economically take lunch instead of eat out, buy on sale and freeze for later use, etc. Thus Id like to make the shift from financially illiterate to financially stable.My question is this: Should I try to switch my credit card balance to a 0 transfer card such as Citi Simplicity, then buckle down and pay it off while living within our means,OR Cash the bond and pay off the debt with about 2000 left over and start from there?Not sure what my current credit rating is; I paid off a large amount of school debt 2 years ago, so my history is kind of spotty. USAA uses something called VantageScore 3.0 to give a credit rating assessment. That number is currently 719.FWIW if you suspect there are other larger issues financially here, there are. Id like to keep this local though, and Ill post later about dealing with budgeting I have never been able to successfully do so and retirement. For this discussion, paying off the debt over the course of a year with my and wifes current income is feasible, and I suspect many of you would find it easy.If there are additional relevant questions I can answer, please let me know.  <response>: Your credit card debt is costing you more in interest than you are earning with the I-Bond. If it is mature Im not familiar with them I would definitely recommend cashing it in and putting it toward your credit card.I generally do not recommend taking on more debt to pay off existing debt. Also balance transfers sometimes come with fees even if the rate is 0. 