[Bluezy]

I am a firm believer in having SOME savings put away for emergencies...to not have any standby monies would mean I would accrue a credit card debt to cover the emergency.

I has taken me over nine (9) months to get my emergent debt under control. Unfortunately, this emergency took what savings I had. HOwever, I was thankful for the savings...the debt was not as large as it could have been.

I located a 0% balance tansfer offer from HouseHold Bank, transferred the debt to that account, and will have it paid off in two (2) more months.

Bluezy