This is all great info. I do something similar but my savings for retirement and my emergency fun are one. I have 2000$ a month in bills, so when I get paid weekly, I apply whatever is needed that week to get my bill money back to 2000 and I put the rest in savings. Works really well for me. As for paying down cards I wish I could consolidate to lower interest but I am sort of stuck with them for the time being. So I pay off cards in the order of the lowest balance. Making double payments to those and paying the minimum + 15 to the rest. I have a little ways to go but baby steps are getting me there.
