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cancel the new stuff, and head on over the op shop for some furniture. You wont be the last first home buyers to have second hand furniture. It works almost the same as new stuff.

I wasnt suggesting anything. I was exploring possibilities. Mainly though I was suggesting you find out how you tick with money and debt. For some people debt is a curse, for others its fantastic. For others its just a tool. What is it to you? You outlined a wishlist, new furniture...

personally I have found it unworkable to just do one thing, like focussing on repaying bad debt to the exclusion of everything else. Its a bit like dieting, I can do it short term, but quickly lose focus and revert to old ways. Id suggest doing a spending plan and include either a dollar...

IMHO if you are doing this to your PPOR, then its bad debt. If youa re doing it to your investment property, and it increases the rent, or value, then its good debt.