<prompt> Human: I used my federal refund check to pay off one of my credit cards that had a 23 interest rate!. Every year Ive told myself thats what I was going to do, and every year Ive come up with a new reason not to no savings, one year I lost my job, etc. but I finally did it before I had a chance to change my mind. But now Im freaking out. It was only 1400 that I used, but this card has been haunting me since the moment I signed up so I know it will be good in the long run... right?! Part of me feels like I should have saved some of it...  <response>: Definitely did the right thing. Now take that money that you were putting on your credit card and stash it away for an emergency. 