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I visit the board often and have received great info from here. I am on my way to financial freedom -- I paid all my credit cards off and destroyed them. Although I do have a $231/month payment to repay credit union for consolidating bills. Just paying the minimum monthly payment -- I should be finished in 2 1/2 years. I only kept one card which is my visa with the credit union with only a $1000 limit. I am presently having $100 taking out of my check per month to be placed in our profit sharing plan at work. Right now I have only about $350 in it. I've opened two money market accounts with the Credit Union -- one I use as an overdraft for my checking account with about $350 in it. The other money market account has about $850 -- this is to be my emergency money I am trying to accumulate. The problem I am faced with is....I must admit, I started using my visa card and not paying off the balance immediately. Somehow it has snowballed and I now have a $900 balance. I know not a very foolish thing to do. Debt has tried to creep back in. But I refuse to let it come. This is my question---Should I take the $850 and put it on my visa and restart my emergency fund or ????? Please help, I can feel debt trying to bite at my heels.

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