but it was on sale

On December twenty second we are reminded to keep the Christmas spirit all year round. My husband must have missed that message because today is he ever pissed about the credit card bill. Yes I took his card after he told me not to and bought some gifts for the family (and yes, some for my self) and now we are two thousand dollars in debt. But I just heard that we can consolidate that debt is we refinance our mortgage. Now all we have to do is buy a house!