<prompt> Human: Hi all, silly question here - I have about 3k of credit card bills to pay off and not sure what the best way is to pay it all off. Should I pay it off right now by emptying out my Savings account? Or should I pay it off in 600 installments, so I can be free of my credit card debt by the end of the year and just limit myself to about 70week for any foodfun expenses. If I pay it off in 600 installments, Ill be able to keep my savings right now about 3k and continue to add in around 700month because I direct deposit a portion of my paychecks. Im leaning towards paying it off in the installments so I can see the net of 6500 in my savings at the end of the year, but Im not 100 sure. Any advice? Sorry if this is a stupid question...  <response>: Keep the 3k savings for emergencies, but use the extra 700 a month to pay down cc debt quicker. That would let you pay 1300 a month and get rid of it a lot faster, but you still have that e-fund. Then save that 1300 a month when youre debt free. 