[cicy33]

This has been previously discussed but remember people are new and don't always see the old posts. That said, I am still a firm believer in having some savings to cover bills that you are going to have if something should happen. Especially if you have no way to cover those bills. For example, what if you are paying old debt and you no longer have access to the card then what will you do? I think that you should apply some to debt and some to savings. Perhaps after a while, like a few months, if you have some savings built take part of it and pay down the debt. But I personally want a little cushion. Otherwise you are simply repeating the cycle of debt. however, strictly my opinion.