Lately G and I have been steadily bulking up our emergency fund. While we're focusing on paying down our credit card debt we don't want any surprise bills to overthrow our efforts.
It's a good think we have been, too, because we recently had some roof damage and the insurance company has decided it's time to replace it. If we had to come up with our deductible a few months ago, we would have had to put it on a credit card and it would have taken us three months to work our way back from the negative progress.
Now we can take care of the roof calmly and continue our road to financial recovery.