pay off my credit card debts

i have paid off all my cards but one and it now has $3600 or so on it. i am not using it anymore either. i am now using my atm card to pay for everything. i used my cc bc i wanted to keep records. however, i think my atm keeps records too so it’s not a big deal. and really, how much in terms of records do i need to keep anyways?

so here’s my dilemma. i have money in savings that i could used to pay this sucker off but then i would have like one grand in savings left and that is soooo sad. BUT suze ormond and most financial people say it’s better to have no cc debt then a little nest egg bc of the interest rates. also, i have savings in the form of a pension if i truly do need money.

so cc debt be gone damn you!!!

took another $350 off so my one card that had $1600 on it is now gone.

now have to tackle the $2500 at 3.9%

and the $850 at o% till 3/07

and the $4000+ at 0% till 3/07

It seems like a puzzle. Which do I pay off first? the 3.9 is such a good rate, lower than a student loan. I think I will knock off the $850 and then finally only use 2 cards and NEVER EVER EVER transfer debt again. NEVER EVER EVER.

i just paid off $1300 off a credit card that i balance transferred to. just 325 more and that amount is gone. then next on to the 3500 that i racked up on another card. lord help me. i probably should just get another job, under the table. or just work hard at my current job so that i can get more money.