<prompt> Human: Alright, the basics:Pay: 650-750wk Im commission Household: Rent 800mo - Sole provider for 3Other bills: 450 not including food Debt: 3k on 11 chase cc limit1400 on 20 Walmart store cc 1700 limit 700 on 0 Rooms2Go cc exp. 7168k on 4.5 auto loan 235moCredit score is around 700.Money is tight. Really tight. SO is a SAHD so mine is the only income. That being said.. My plan was to transfer the 3k balance of the Chase cc to the Discover it cc 3 Trans. Fee but 0 interest for 14mo. Then 12-16.. Id pay the minimum amount while throwing all my extra money at the Walmart cc. Once that was paid off I was going to work on the ChaseDiscover cc but I honestly dont know when I will have the Walmart cc paid down and Im worried about how much time I would have left on the 0. Probably none. My question is.. Would it be bad to then transfer whatever the remaining balance would be on the discover back to the chase cc before the 0 promotion runs out? Is that even legal for me to do? Am I screwing up even more by paying the 3 transfer twice? Im not worried about the car loan or the R2G cc. R2G will be paid off before that promotion is up. Auto loan is what it is. My problem is really my two credit cards and trying to get them paid down.. Any advice would be greatly appreciated. Update: following your advice I went ahead and applied for the card discover it with BOTH balance transfers. Its 18mo. 0. After about 30 seconds they said I was approved. Im assuminghoping that means they approved the transfers as well. I would like to thank those of you who took the time to offer me advice. This will start me down the path of never paying that much interest ever again.  <response>: For us to answer your questions, you need to answer one of ours: What are you spending the rest of your money on?You need a written budget including all of your expenses. You also need to track your spending. Compare your actual expenses to your planned budget and start making adjustments.Rule-of-thumb guidelines: Housing Utilities: 40 of your take-home pay Transportation: 15 of your take-home pay Food: 300month per person Restaurantstake-out are budgeted as Entertainment, not Sustenance. Debt: if you have debt, you should be aggressively paying it down. Aggressively means sacrificing or skimping on some wants and desires in pursuit of paying the debt off faster. Your debt is an emergency. Cooking reasonably healthy meals, getting enough sleep, and regular exercise are all MANDATORY. Support your local Library. They can usually order you specific books or movies for free!nbsp;If anything above is wildly off from your lifestyle, you need to make some decisions about changing things. Move closer to work. Sell your car and buy a bike. Host a potluck dinner partygame night for your friends instead of hitting the bars. Negotiate a lower interest rate from your creditors.Fill out the chart below. Do it privately for you, or post it here for advice. Ive provided helpful links where I could.nbsp;Mandatory Items:MonthlyAnnualLinksdetails:--:--::--:--:savings- -- - rpersonalfinance link1 link2housing8009,600mortgagerent, insuranceutilities- -- -natural gas, electric, waterfoodgroceries- -- -reatcheapandhealthy. Learn to cook!caloriesex: 2000dayexerciseex: 3xweekrfitness getting started FAQsleepex: 8hrdaymaintain a regular daily sleep scheduleOtherVariable:MonthlyAnnualLinksdetails:--:--::--:--:transportation- -- -gas, insurance, repairs, tollsphone- -- -internet- -- -medical- -- -retirement- -- - rfinancialindependence link1 link2 link3 investing for the future- -- - Getting Started on InvestingDebts:Remaining BalanceInterest RateMinimum Monthly Payment:--:--::--:--:mortgage- -- -- -student loan 1- -- -- -student loan 2- -- -- -car loan8,0004.5235credit card 13,00011???credit card 2140020???credit card 37000???PersonalMonthlyAnnualLinksdetails:--:--::--:--:restaurantsdining- -- - rMealPrepSunday rfitmealsentertainment- -- -hobbies- -- -cableNetflixhulugames- -- -otherunknowncash expenses4505400 rfrugal 