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I’m feeling a bit overwhelmed trying to juggle paying off my credit card debt and starting an emergency fund at the same time. Right now, I’m putting most of my extra money toward the debt because the interest is killing me, but I’ve been hearing that having some cash set aside for emergencies is just as important. My monthly budget is pretty tight, with rent, utilities, and groceries taking up most of it. I try to save about $50 a month in a separate savings account, but it feels like a drop in the bucket compared to what I owe. I’m worried if something unexpected happens, I’d have to put it on the card again and just dig myself deeper. Has anyone been in this spot? How did you balance saving with paying off debt without feeling like you’re stuck? Any small habits or tricks that helped you build up some savings without slowing down your debt payments too much?

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