Am I doing the right thing?

Wimbrel

I decided to add a sig for a bit of motivation and read through my previous posts on the forum. I had planned and intended to be debt free by August 2016. I'm not .

I do have more of an emergency fund than I'd expected to have by now and I could of course clear the rest of the debt and have less of an emergency fund but
A) I really like having some savings for once in my life and
The remaining debt is at 0%

If I put my mind to it and keep going I can get to DFD by Christmas.

I'm just not sure if that's my best option or if I should clear it now then rebuild the savings.

It's been a real slog this past four years so thanks for all the advice and support on this forum, I was reading and following long before I took the plunge and joined last year.

Karonher

If the debt stays on 0% I would leave it. If the interest-free period ends I would pay it off when that happens.

Alternatively. if Christmas comes and there is still a bit left you could pay that off with savings. There is no real benefit to you but it would be a nice Christmas present to yourself and you could start the new year debt free.

Well done on getting so much of the debt paid off.

Wimbrel

Thank you. It would be nice to start 2017 debt free!