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@christiangirl_96 So your so worried about going into CC debt if you loose your job and don't have an emergency fund that your willing to just live in CC debt now? This logic makes no sense. Definitely build back up your emergency fund after the CCs are paid off and don't go back into debt but...

@christiangirl_96 You would probably be better off just using your emergency fund to pay off the debt. High interest CC debt is an emergency in my book. The 13k in CC debt if it had a 20% interest rate is costing you more than $200 per month. Putting your emergency fund into your CC will net...