<prompt> Human: How do you keep up your motivation for moving forward when you get hit with something?I have been working so hard to pay off our credit card debt. working on that first, not stressing with mortgage and auto loans Hubby had a dislocated shoulder and it looks like were going to end up owing about 1,400. Just disheartening with how hard Ive been working to pay off the credit cards. I had a target date of Feb 2019 but now Im wondering if it will happen by then.  <response>: Make sure that while youre working on paying down credit card debt that you maintain a small emergency fund of between 1000 and one month of expenses to take care of lifes little dislocated shoulders. This will allow you to pay for the emergencies without jumping headfirst back into a bunch more credit card debt. 