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[quote=Anonymous]12:41 here- my credit card APR is really low. I pay a couple hundred in interest over the course of the year. Problem is, if I paid off the balance tomorrow (which includes the $3000 I spent on a Xmas trip), I'd cut into my emergency savings and then I'd psychologically think I could run up the card again because I had no $ on it. If I got laid off tomorrow, I'd have $10K in 100% liquid savings plus less-liquid mutual funds plus whatever in severance, and could drop to paying the minimum on my card for a few months. If I paid off the card, I'd have 1 or 1.5 less mortgage payment available. I was unemployed for 6 months 5 years ago - I like to keep some cash.[/quote]
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