Found $500 cash stashed in an old winter coat. Do I destroy debt or fund joy?

Question

I am aggressively attacking my $45k consumer debt using a strict cash envelope budget. While organizing closet, I found an forgotten $500 visa gift card from last year. Should go straight into my credit card balance to save on high interest or give my frugality a break?

Answer

Throw all $500 at the principal balance instantly

Answer

Buy the espresso machine to permanently lower daily cafe spending

Answer

Put $250 toward debt and keep $250 for a guilt-free night out

Found $500 cash stashed in an old winter coat. Do I destroy debt or fund joy?

Reasons & Discussion