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    off a credit card or two. But then you consider putting it in your emergency fun
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    You've made a commitment to change your spending habits. You have a budget and you are working on getting out of debt and building up some savings. You just received a bonus at work. What do you do with it?

    The old you would have gone on a vacation. The new you is looking to the future. Your first impulse is to pay off a credit card or two. But then you consider putting it in your emergency fund

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    ou are working on getting out of debt and building up some savings. You just received a bonus at work. What do you do with it?

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    The old you would have gone on a vacation. The new you is looking to the future. Your first impulse is to pay off a credit card or two. But then you consider putting it in your emergency fun

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    n a vacation. The new you is looking to the future. Your first impulse is to pay off a credit card or two. But then you consider putting it in your emergency fun
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    off a credit card or two. But then you consider putting it in your emergency fund -- there isn't near enough money in there.

    The debate over emergency savings versus credit card debt has been around for a long time. Let's look at the two sides.

    Save for emergencies

    Putting your extra money into savings for emergencies seems like a good idea. You will have the peace of mind that every

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