Cait
Level 1

Debt management

I don't think you should save at all while you are paying down debt. That takes away money from it that could be used to pay it down faster.

 

Get the $1,000 emergency fund, refinance if you need to then put rest of the money towards debt then once you are done, save for a 3 to 6 months emergency fund. This should be enough money to pay your bills for 3 to 6 months.