<prompt> Human: First time posting in PF, thanks in advance for any advice. I bring home 2,200 a month roughly. Purchased my first home 3 months ago. Throughout the process I hit a rough patch, and managed to rack up close to 5K in CC debt. 3K on one card, and 2K through PayPal credit. I have 4500 saved up as an emergency fund, but am considering using a good part of the fund to pay off the debt. If I can cut the debt in half, I feel like a huge weight will be lifted off my shoulders. Money is tight, as I am a single father of 3, and Ive come to realize there are many unexpected expenses. Advice?Chase: 15.4924.24 PayPal: 19.99  <response>: Also, start using something like rynab to help with budgeting and building a true 6 month emergency fund so you never run into this problem again. 