<prompt> Human: Hi rpersonalfinance!I have been a long time reader but am just now posting for the first time. I have been basically self-sufficient for a few years and have done fairly well. However, a couple of years ago I started partaking in the rat race that is living beyond ones means. I havent made my situation any worse in the last year but I also have been doing nothing to make it better. Now is the time. I would like to plan on having all of my debts paid off by the early part of 2015 so that I can at least start building up a healthy emergency fund and then eventually buy a house with fiancée after we are married.Here are my particulars:-24 years old-Engaged getting married in September 2015 wedding is being paid for by fiancées parents-46kyear gross salary 2,310 per month take home... I live in a low cost of living area in the upper midwest-Company matches 50 up to the first 1 increasing to 4 next year-No student loan debt-50k term life insurance provided by employer-Monthly expenses o500 in rent o400 average in utilities Internet, gaswater, power I live in a cold climate so costs during winter are very high which is why the high average o140 in gas o400 in food-Savingsinvestments o5.5k in cash sitting in Wells Fargo savings account o1,900 in Roth 401k just started to contributing this January 10 of gross salary-Consumer debt: o5k 11.15 via Wells Fargo credit card with 6k limit minimum payment is 175 o394 24.24 via Best Buy credit card with 1.5k limit minimum payment is 25 o0 via Amazon Store Credit Card with 1.4k limit oUnknown balance on secured loan that I pay 320 per month on trying to get payoff information and interest rate from my banker, but by my math I only have 1.5k to go until paid off and I believe the interest rate is 3.5I think that the obvious thing is to immediately pay off the Best Buy CC 24.24 and then start throwing everything at the Wells Fargo CC. My question, however, is does it make sense to pay down any of the consumer debt with any of my 5,500 cash on hand? 5,500 basically serves as my emergency fund so I would be putting that at risk, but I would be able to build it back up and then some very quickly with this debt paid off. If something were to happen while my fund was low, I do have the fortunate ability to fall back on my parents if need be. Obviously I would rather not do this as I havent ever borrowed money from them yet, but that is an option in an extreme, worth case scenario. I would expect to be able to build the fund back up in a few months.My biggest crutch has been going out to eatbars which I have pulled back on heavily, as well as buying things for my hobbies cars and guns. This is where the other 550 a month has been going. I setup Mint a few weeks ago and have been pretty disturbed by the trends Ive seen. Just taking the time to sit down and look at where all of my money has been going has been reason enough for me to stop going to restaurants and start paying down and off all of my consumer debt and then build up a solid emergency fund and contribute more towards retirement.Another part of this conversation will be talking to my fiancée about my financial goals as well as our joint goals. I think if she knew what I was facing it would make her less apt to suggest going out to eat or understanding why I might not want to go out with friends 3 nights a week. The good news is she has a good financial head on her shoulders so this shouldnt be a difficult conversation. She has no debt.Thank you in advance for the help and tough love!  <response>: This is where the other 550 a month has been going. I setup Mint a few weeks ago and have been pretty disturbed by the trends Ive seen.Thats what is so great about it! Good for you. Cut back on those areas, track your spending closely. I think that the obvious thing is to immediately pay off the Best Buy CC 24.24 and then start throwing everything at the Wells Fargo CC.You got it. Most people would advocate keeping 6 months expenses in emergency fund. However, I would certainly at least pay off the Best Buy card immediately. like today.Also, stop contributing anything above the company match to your 401k. You might earn an average of 7 long run, but you are bleeding out 11.15 with your credit card. That makes no sense. Get the match, and funnel all extra money towards high interest debt. You net more by putting your money towards the CC debt. 