231,751.00 dollars worth of debt

My husband and I are taking a class at the local church called Financial Peace University. It is taught by Dave Ramsey and we watch videos and do worksheets. The whole purpose of the class is to teach us about money and how to spend it and so on. We are to tell the money what to do instead of it telling us what to do. Meaning that just because we have the money that doesn't give us the permission to just go spending it foolishly, we must get control of our finances and spend wisely. It also teaches us to use a budget and use an envelope system paying only cash for non-essentials. It's a great class, but I find it very hard to stick to the rules and follow the guidelines set up by Dave. With my husband hopefully we will be able to work together to get our finances under control. Anyway, the reason for the title, is that we went thru our credit card offers and if we were to turn them in, that is what our debt would be on 15 credit card offers and 1 home loan offer. There are 12 offers with a credit line to be determined upon the application being filled out. That's so insane. I can't believe that we could get sucked into this cycle of frustration. We have only 3 outstanding loans. We have other bills, but if we keep pecking away at them, they will be down to nothing. Ahh Debt.~E.