We also have some savings and a fair amount of equity in the house, so it is all good. I know I should get rid of the saving and pay off the credit, but that would drive Dh insane. I also know that if we used the savings to pay off the credit, we would not build the savings back up very quickly. The debt, with its nasty interest rate, actually forces us to budget a bit to get it paid off.
You lost me there! Sorry, it's that time of day, I need my second cup of coffee. Why get rid of the saving(s)? I agree, don't use the savings to pay off the credit. That savings is your safety net, and any typical financial adviser (including Dave Ramsey) advises you to pay into your own account monthly.