I did it!

Chopped up three credit cards - we have no emergency access to debt now. Nervous, moi?  No, well yes, not much, it will be fine. It felt kind of liberating. Kind of.

Now kill of all debt and rebuild emergency fund.
I am also stashing away savings so that we can help my dear brother in law start a new business after the war in Syria. It gives Fahed something positive to focus on and the family will need all the help that they can get when it over (it will be over at some point, won't it?).
Last thing - savings fund for Crete house. Next year a big visit with lots of expense, like starting to rebuild the old house. We never run out of things to fix but its all good.

Positive, positive, positive, thats how it works.