Not much better but not much worse

A few weeks have passed now and looking back at our spending habits, not much has actually changed. The exception being that we have continued to aggressively pay down the debt and we have not increased our credit in any way. We are at the limits of pretty much all our cards except for the one we are currently paying off. When it is done we will close it. The down side to this is there is no available credit for the unexpected.

We had a $2000 emergency fund but we bought most of our Christmas presents for each other out of it as well as paying a $330 financial adviser's bill and now it is down to about $900. That normally wouldn't be too bad as we can now build it back up again but I have just resigned my job in preparation for us moving in January. I have a job lined up however there will be 3 or 4 weeks where I won't be receiving a paycheque. During that time my wife will be working night shifts which means no overtime. Things may get a little tight in the new year but after the move my wife switches to a much higher salary so we will be back on track pretty soon.

One of the options we will be weighing up soon is do we continue the snowball to knock over these credit cards or do we go the option of the cheap consolidation loan.