That emptiness has nothing to do with today's post though so...
I have this dumb amount of money that I've been using to pay down my credit cards and now I need to parlay it elsewhere. Here are my options:
A. Start an Emergency Fund - I've heard everything from $1,000 to 3-5 months pay to 6-8 months of living expenses. Either way I have ZERO dollars saved.
2. Pay off my student loans - If I use the payments I've been making to credit cards to pay down student loans, I could possibly have that debt paid in less than two years.
C. Save for a down payment/closing costs on a home/condo/whatever
4. Move to a nicer apartment
E. BALL OUT - Oh yes, I could make it rain at clubs and take trips and have weekly (not monthly, weekly) trips to the spa. It could go down. (I'm not really going to do this, but thought that I would note that it's an option. LOL!)
6. Invest - In real life, am I ready for that? It's so scary.
G. Start a vacation fund - I'm going to travel ANYWAY - might as well have a cash fund for it.
So what say ye, good readers of Tea & Such? Did I miss any options? Where should I put my spoils?