A disagreement about money

So last year I posted about my husband racking up CC debt (10K) and him wanting us to put all of our extra money ($700) towards it. He’s gotten better but has so much more work to do.

I’ve been shopping sales and buying groceries at discount/salvage stores to help. It’s really cut down on spending so we’d have more extra money.

Well we were able to file our taxes a week ago. We’re going to get a big chunk back for the first time ever. About $4500 fed and $500 state. Our state just deposited into our account today. I asked him if we could could that in our savings account because I’m very concerned about having cash for an emergency. He wants to put all of it on the CC debt. I told him we’ve been paying on it but I think with a second baby on the way we really need to have cash available. The credit is going to take time but it’s not going to disappear. Plus, he’s just going to find something to use the card for again in the future while he’s working on his bad habits.

I think we should take this opportunity to at least put SOMETHING in savings as I’ve worked hard the past 6 months to scrap together even $500 that’s currently in it.

What are your thoughts?