Re: Paying Yourself vs. Paying Credit Cards
Pay off the credit cards. A lot of people feel safer with having an emergency fund, but in my opinion it is worthless until you get you credit cards paid off. Jeffrey wrote a good article on this. I'll try and find it.
I would put every single extra cent I had into paying off the 24% interest credit card (and pay the minimum on the 14% card until the 24% card is paid off). If an emergency does arise, you'll have room on your credit card to pay for it since you've been paying this down(you don't want to do this, but if you want an emergency fund, you can look at it just as well this way as putting it into a bank account).
Every dollar you put to paying of that 24% card is a 24% return - 800% better than what ING is offering.
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