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Rainy Day funds vs paying off debts

Hi

I just posted on another thread about our debts - we currently have about £38000 debts reduced from £65000.

I have a rainy day fund of around £5000. Everything I have read on here points to using this to pay towards debts, but because our credit cards have been closed etc and we couldn't get any other credit, is this still wise?

Thanks


Vicki
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