re: Tips for paying off debt?

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Don't even establish the e fund to begin with...just put it all on the cc.

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That was my point earlier. If you have credit card debt already, then pay it all off *before* establishing an emergency fund.

Suppose you owe $3k on a card that charges 20% interest. You have $1k in cash and no emergency fund. If you set up an e fund then your $1k is earning an interest rate of basically nothing. If you apply it to your CC balance then your cash earns 20%.

If three months later you have an emergency that costs $1k you can pay for it with your credit card. Sure, you're back where you started but during those three months your $1k was earning you 20% interest instead of nothing.