With interest rates as they are, saving seems a little pointless.
We have all of our debt on a 0% credit card, so is isn't earning any interest, but obviously is still hanging over our heads (we are paying it off at a reasonable rate, it's not remotely crippling, just annoying).
We have about 2 month's income in an ISA in case of emergency, which made sense to keep rather than using it to pay off the debts when it was earning a reasonable interest, but as the interest falls it seems less and less useful.
So, would you keep the savings, pay off the debt (the savings will pay off about 2/3 of the debt), use 1 month's income worth of savings to pay off the debt, or leave everything exactly as it is?
DP has a good job, although in current climate, who knows how secure anything is, and I am on maternity leave, but could go back if anything happened to DP's job. Will probably be going back part time (if they'll let me) in September. My job is about as secure as anyone's, so not toooooo worried about that (but again, who knows in current financial situation!)