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Reply to "Need help with budgeting"
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[quote=Anonymous]Do not save half and use half to pay off CCs. Start saving enough to have some type of emergency fund, but it does not make sense to save when you have high interest debt- for example, if a card has 10 or 15 or 20 percent interest you're paying, it does not make sense to direct extra cash into a savings account that reaps, what, 1/2/3/4 %? You should use as much as possible to pay down your debt. Paying down debt is an automatic saving. You should read a personal finance book (not being snarky, I just did and it helped me). I like this book. It covers a wide range of topics, it's easy to pick what applies to you and doesn't, has great summaries and lots of extra resources. http://www.amazon.com/Get-Financial-Life-Personal-Twenties/dp/0743264363/ref=sr_1_8?ie=UTF8&qid=1353720811&sr=8-8&keywords=finance+in+yours+20s[/quote]
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