Photo by: Paul Keleher  Saving money while still in debt may
seem like a silly idea. Why not put that money towards debt and
lower your money paid to interest? But on my journey to debt-
free living, I’ve found that almost everyone suggests setting up
an emergency fund—even if you’re in a lot of debt.  The logic is
that if you are unlucky enough to be laid off, have an accident
or fall victim to a natural disaster, you spend your money and
not a credit card, line of credit or anything else that will
charge you interest. Instead of paying $800+19% interest/month
to get your car fixed, you’re just paying $800.  At first, I was
tempted to put $1000 into my credit card debt instead of setting
up an emergency fund. But the more I read about other people’s
debt, the more I realized that many of these people started out
in a little bit of debt like me. But then they found themselves
without a job or had a medical emergency. They didn’t have an
income or an emergency fund to pay for living expenses. Instead
of being i