TouchyMcFeely posted:

All this food chat is making me hungry but also curious. Looks like the wife, baby and I spend just shy of $8,000 last year.

I mostly blame the baby.

So for my first humble brag of the year (and a little advice seeking), I didn't realize my employer did their entire Health Savings Account contribution on the 1st of the year so I'm starting off with an unexpected $500. This is our first year using the HSA so that's all that's in the account so far. We have automatic contributions setup to max out the account by the end of the year.

We have $500 saved for medical expenses that I had initially intended to deposit into the HSA to help front load our own contributions. However, I'm now thinking that maybe that would be better used to pay down debt. In this case it would go towards the $3k balance on the credit card. We could also throw it at our measly emergency fund that's sitting at an $800 balance.

So what say you goon hive mind? $500 in unallocated savings: Front load HSA, pay down CC, emergency fund contribution or hookers and blow?