<prompt> Human: I decided to get serious about my finances last month and was wondering if I should make larger payments to my CC debt using part of my EFChecking or should I continue on as is? CC Debt: 3350 10.99 making a 750month payment Student Loan: 610 6.8 making a 50month minimum payment Monthly expenses: 300 Emergency Fund: 3000 Checking: 1700 monthly income: 1650At my current payoff schedule, using unbury.us, I should be debt free in Oct 2014. If I pay 1700 towards my CC payment this month and then keep putting 800month combined to both loans, I will be debt free in July and save 80 of interest.  <response>: My vote is to forego the emergency fund and pay off the CC. The CC interest is losing you money, and if you were to pay off the CC and not charge it back up, you can always use it to cover emergencies that may pop up anyway. Keeping your 3000 emergency fund guarantees youre paying 10.99 on the CC debt, but dumping it onto the CC relieves that immediately, with the slight chance youll be paying 10.99 later if you do have an emergency. 