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crazyfish
Sep 19, 2002

I'm going to go slightly against the grain and say that there's probably not complete information in there, and that your furniture probably has an interest rate, but it's one of those deals where it's "no interest for 12 months" and you get dinged with the full 12 months if you don't pay it off by then. My suggestion would be:

1) If it's truly no-interest, pay off Discover/Buckle/Bank/Car all in one shot, which should leave a nice 10K emergency fund.
2) If it's not truly no interest, pay off the furniture too, leaving you a nice 8K emergency fund.

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