<prompt> Human: Hi all, I was about to withdraw a big part of my savings bond to pay off my debt but figured I better ask for advice here first. So, short introduction...Canadian female43married with no kids.Heres a quick recap of my personal debt:5,000.00- fixed interest from credit union loan taken late last year to offset my credit card. Payment is taken out of my paycheque biweekly. Last payment is Oct 2016.2,283.43 - line of credit 6.3prime91,988.96 - 19.99 on purchases. I owe balances on this account for christmas expenses I know, I know! :...18,902.84 - Student loan at 5.70 from one of the major bank405.00 - Hudsons bay cardSavingsretirement etc.1800 - chequing account9500 - registered retirement saving6500 - canadian saving bondI manage my own finances separate from my husband. We dont share or own any joint account. Whatever I spend, I pay for it myself. I dont pay for household expenses or the mortgage just the car about 150 biweekly or whatever else is needed for the car ie. insurance, upkeep, gas etc. I have been struggling for the past 3 years trying to pay off my loans and no matter what I did, my total loan still at 28K. I have earned a little better last year with 42K and wanted this year to be the year when I finally manage my finances better. I know I am still in a better position than most people, I just want to pay off my biggest loan - student loan. Help?edited for line break. woops!___Thank you everyone for your help and advice. It is very much appreciated. I am truly honoured that each and everyone of you responded and take your time to give your advice. So just to clear some things...1. I just checked my last pay cheque, so my income was 44K and total deductions was 16K which gives me about 28K net? So I may have stretch out the 1800month bit. Again, I dont earned consistently -its based on the hours I worked the week. Sometimes, its 800 sometimes its 1000.2. My husband is pretty well off, condo paid for in 2014, RRSP, OMERS, very stable govt. job earning 90K, on top of very expensive hobby - collecting and owning militaria. His earnings just go to his account every month - I have no idea what he spend it on nor do I wish to pry. Historically, he paid for the mortgage which is under his name and the groceries. 3. I dont just spend money on myself. I too do buy the household expenses. Sorry for not clearing this earlier but I have been thinking hard and recalled that I bought the other stuff too - detergents, soaps, shampoo, dry stuff that you pick up from Shoppers and the occasional run to pick up fruits, bananas, veggies in between 2 weeks. My husband only bought the groceries every other week or so.4. I was hoping to not touch the CSB because I have the option of buying back 11K from OMERS. Like I said, I only came here to Canada in 2002 and was unemployed for a bit so no contribution whatsoever. The current interest is 0.50. 5. The 1.9K credit card was an oversight from myself. I had made the effort late last year to sort out my finances. I get a fixed interest loan to pay the credit card so I can put the card away and not use it. Well, I spend 1300 on christmas presents for my husband and 360 for gym membership and 240 for other things here and there. I just didnt realized it starts to pile again :. 6. I can easily pay the 400 HBC credit card with my balance in my checking account. Considered it done, paid!! 7. The fixed credit union loan is taken out of my paycheque biweekly. I have paid off some, I think the balance owing now is 3,272. OMG! Yay! Sorry, for not being detailed, I just took the rough figure from last year and just login to my credit account this morning to check the balances. :D Wow, I just realized this...lol.8. I wish to be independent financially, maybe not as well off as my husband but at least comfortable enough with my own fund. I dont wish anyone to understand my situation but we have never open a joint account when I first get to Canada with 0 money. I dont buy diamond rings even my husband dont buy me a diamond ring and I dont own one and dont own 45 or so high heels. I am modest in my clothing choices and admit that I do occasionally go out and buy clothing and even buy clothing for my husband 2 or 3 timesyear?. When we go out for movie and dinner, I am the ones that paid. Oh wow! I just realized this now :9. I am in Ontario and maybe bleeding money that I need to figure out quick where its bleeding so I can fix it! ASAP!10. Maybe 400 or 200 biweekly personal expenses food etc. is too high? :11. I need a spreadsheet for budgeting, can someone recommend one, please?12. To recap, my owing now is 3442 credit union, 18,902.84 student loan, 2,283.43 line of credit, 1,988.96 credit card. I supposed I wont worry about the credit union as it is taken out of my paycheque. So if I pay off the line of credit and credit card, I only have the student loan to worry about? Of course with the assumption that I dont fall again?  <response>: Can you add more info showing how much you make monthly, and where that moneys going? Just like an average month...etc. Right now its a little hard to know where the moneys going. For me, I like to set little goals for myself every month. And then I almost make it a game to see if I can make it. Each month you stretch your goals a bit more. Id say with minimal household expenses, you should easily be able to put 10,000-18,000 toward your loans over the next year, if youre careful. 