No. of Recommendations: 0
The one point that you are missing is that if you put everything into reducing cc debt, you will
necessarily reincur that debt. Expenses must be met with cash if you are to truly reduce debt.
Regardless of your effort, without cash to meet expenses, you are charging and that is going in the
wrong direction.

I just have to disagree; if you put all your money towards the CC debt and have no emergencies, you debt is paid off the quickest. If you have an emergency, then you pay what you can with cash and use your card for the balance and you are no worse off than if you paid less per month to CC debt and put it into an E.Fund that you used for the emergency. But if you build up your E. fund by paying less on your CC debt and have no Emergency then you have paid extra interest for no good reason.

or so it seems to me,
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