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Put the money in the efunf until your budget is used to the once a month pay.

Then, decide how to redirect the $200 a month you have been putting in the efund to debt.

OK, maybe I wasn't clear, but my end of month salary THIS month will be less the $1000 advance I just received (in check form @#$%) - so paying my mid-nov bills at end of october will put me very thin for all of november.

do you mean I should put every last cent in the e-fund right now?
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