“take money from savings in to pay the card off in hopes of replenishing savings, or should we just keep plugging away at the credit card? “
Only if you have a good emergency fund left (3-6 months) after paying off the card. My 2 cents
>>Only if you have a good emergency fund left (3-6 months) after paying off the card. My 2 cents<<
PAY OFF THE CARD FIRST! It is the most expensive debt you have — having cash that gains no interest while you toss tons of money into what is, for you, useless interest makes no sense.
You can build up later — you are starting a hole and need to get out of that hole before you can build a hill.