I agree, you need to look at the overall picture.
No point being in overdraft if your DH has spare money. It's very expensive debt.
But you also have to look at why you're in debt. If it's because you're trying to cover more family expenses from less money, you have to share your money in a fairer way.
If it's because you spend too much on yourself or buy unnecessary things for DC, you might need to cut down.
If you're self employed, unless you earn too little to pay tax, you need to be putting the money aside to pay your tax bill. It's not your money, so you can't spend it.
Then you need to prioritise as a family so that joint essential expenses, including pensions, emergency fund, insurance, car repairs, MOT, insurance, etc are covered.
Then you need to decide how much spending money is available for DC and family and you and DH as adults.