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  1. M

    Finally debt free after 2 and half years!

    @muddpuddle Interesting. I think above all I need to condition myself into not spending money on stuff I want rather than actually need as the emergency fund always end up getting dipped into.
  2. M

    Finally debt free after 2 and half years!

    @jd14234 This is the bit I don't understand. If the first step is to have a grand in the emergency fund? How is that better than paying off a credit card that garners interest. Why is that above paying a grand off your card lowering the monthly interest. Then if you have the emergency then you...
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