<prompt> Human: Our property taxes went up and we ended up with an escrow shortage of just over 700. My husband wants to pay it out of our emergency fund. I want to spread it out over the next twelve months since they arent charging us any interest.Our emergency fund is ten grand right now and we could get it back up to that amount in a couple months but its rubbing me the wrong way to turn down an interest free loan.Whats the smartest thing to do here?  <response>: It makes such little difference either way, this is probably the least important decision youll ever have to make. 