We recently did a cash out refinance to pay off some of my debt, and I’ve already started using the credit cards again. We were supposed to save money from our tax refund to redo our floors (desperately need to get rid of the old carpet) and I’ve spent all that basically so now that it’s time to buy the new flooring we will have to use our emergency fund & finance the rest. I feel like a huge disappointment to my husband. I just got a new job & I spent my whole paycheck on stuff at Walmart & online.