My husband and I are taking contorl of our finances and getting a credit card debt consolidation. We got into a lot of debt because of the $46,000 in renovations we did on our home. We charged almost half of that amount on our credit cards. We always planned to sell the home once the rennovations were complere, but then the housing market tanked and we wre unable to make our money back to pay off the costs of renovating. We love our home but we do not love the debt and if we could do it again, we would have been a lot smarter about it.