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Originally Posted by Broken Arrow
Still, while I am open to suggestions to the contrary, I don't think that what I am currently doing is a bad idea (especially with a baby emergency fund in place).
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I don't think what you are doing is a bad idea. I think it's good. You have an emergency fund that would keep you from adding debt on a CC in most situations. You are knocking off that debt quick too...so that makes what your currently doing A-OK in my book. Good job.