[laceshawl]

I have seen people pay off all their credit cards (maybe they inherited money and used that or worked overtime). Then within a year they had run their cards back up again. I think that it is important to establish the habit of saving even if it is only $5 a week rather than wait until they are paid off. Personally I always kept $500 in the bank while paying off debt as I would get very discouraged if I had to run the cards back up again for an emergency. I think you have to understand your own personality and know what works for you.