When I first set my emergency fund, I did it in 4 months, because I was paying the minimum in credit cards. As soon as I had 2K, I stopped that and focused on paying down credit cards, one card at a time. That was 7 years ago. The emergency fund cannot be overemphasized. It will give you peace of mind, while you are paying down debts. BTW, these ideas are not mine. It is tried and tested through the ages!

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