After years of being debt free we've just had a total splurge and bought a new car, a holiday and some home improvements in the last three months 
We've taken advantage of 0% APR and the debt now totals around £15k. We have around £8k in savings so technically we're £7k in the red.
We both earn good wages, our employment is stable and we own our own home with around a third in equity (mortgage fixed til 2021) and if we pay the debts off steadily and keep saving at the same rate we'd have more in savings than we owe by March although DH thinks we should take full advantage of 0% and not overpay (in which case the finance agreements end in 2020).
DH isn't fussed at all- he doesn't think debt is bad in all cases. I haven't slept for two nights (I have form for money anxiety).
Who's normal- me or him!?