What's your biggest financial concern right now?

No judgement if it's the price of Freddos.

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I was talking to some people yesterday about how hard it is to work out how to prioritise your finances. Or more specifically, your (my) financial problems/concerns.

For example, I’ve read so many times that you should pay off credit cards before saving because the interest rate you’re paying on the cards is going to be much higher than any rate you’d receive from savings. That makes perfect sense.

But. I started doing that. I figured that I didn’t need the emergency savings, because in the event of an emergency I could use any credit on the cards. But then - now - my income’s really slowed down and I’ve ended up running the cards up to their limits anyway.

No cushion + no credit = stressed Keris.