<prompt> Human: Hi. I make about 4600 a month take-home. I have enough money to cover about 5 months of expenses if I were to lose my job. My expenses include two cars, phone, the credit cards minimum payments, gas, etc. All in all I am estimating that I spend about 1300 a month on these expenses.Should I save up more money so I have about a year of expenses covered, and just pay minimum or slightly above minimum on the credit cards in the mean time? Or should I start spending my entire income on eliminating the credit card debt now that I have a sizable emergency fund? I dont anticipate getting fired or losing my job but you never know. On the one hand, Id certainly like to have more savings before I start spending more money on paying down debt...but I also cannot wait until I eliminate all of the credit card debt. Its making me physically sick. I used the cards to pay for college and to help my family when they had no money so at least it wasnt frivolous purchases, but I still hate it.If I do use all of my income for paying off credit card debt, I should be free of it in about five months. Not sure how to properly budget this for quickest pay-off and safest emergency fund maintenance. I want to start dropping as much of my money as I can on getting out of the hole and feeling free, but I also dont want to go too crazy and end up spreading myself too thin...Assistant: Youd save more money by not paying interest to the credit card. You can always charge an emergency so Id take all the savings save a month or so of expenses and pay down the debt.Unless of course you are making more interest with your cash than you are paying on the debt. Human: My cash is all in my bank account. No interest worth mentioning. Was thinking of moving it all to a Money Market savings account for slightly higher interest but its still not worth mentioning. When you say charge an emergency, do you mean use one of the credit cards that is paid off to float my expenses until I get paid again? I get paid biweekly. About 2300 take-home pay every two weeks.  <response>: Chiming in not same person as previous reply. Yes, pay the credit cards down. If you have an emergency, you can let yourself charge to cover it. Because, unless you have some sort of 0 interest cards, you are paying a lot of money in interest. Once they are paid off, then build up you emergency fund again. 