At a thousand dollars a month pus birthday money you will be out of debt in less than two years. Go for it! At least you have a plan now tht you are settled. IMHO, your story is a perfect example of why an e-fund is important. If you choose to have an e-fund you will be building a credit card-disposable at your pleasure, whenever the need arises-at 0% interest, never to be paid back. Without the e-fund you may get the debt paid off faster but, when you run into another emergency, you wil have to charge the cards back up again. Good Luck-whichever you may decide.Mangard
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