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So if my understanding is right you don't have a mortgage? If I was in your situation I would write a list of jobs and prioritise them. Then do a budget to see what you can save each month. Then just do each job in turn once you have saved up enough. I'm guessing the house has running water and toil...

I would avoid either because you are just delaying paying debt. If you can't afford to save how will you pay the loan / card back? You could be stuck with it for ages. Could either of you sell something / get some extra work. Even a temporary bit of cleaning / shelf stacking etc. Could you delay the...

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