The only decision I've made so far is to hold off a little longer. I tend to be too impulsive sometimes when I get an idea to do something. I've realized I have a very emotional connection to my current debt because almost all of it was built up from Chloe's medical bills. I charged her final hospitalization and her cremation. I want very much to be rid of this remaining bit of debt, but I also want to have as large an emergency fund as possible.
Many of you were right, emergencies do happen. My car broke down shortly after writing that. It was a small bill and nothing major to worry about, but it still happened. It was enough to remind me not to be impulsive and give it a longer think. Something else may come up.
Thank you to all who took the time to comment on the previous post. You were all right, and all of your ideas made perfect sense, especially when the car broke down. Those in favor of getting rid of the debt immediately made perfect sense too and I will eventually. There's only a bit left to pay off and then I will be done. I just need to keep enough in savings so I can reach it for those emergencies that do come up.