Just a quick thought, since Christmas is coming up.
"Christmas is not an emergency; it doesn't sneak up on you. Christmas is always in December, they don't move it; therefore it is not an emergency." (Dave Ramsey)
Yes, it's a tight time financially for pretty much everyone. However, if you have an emergency fund, keep this in mind. Christmas is a planned event. An emergency would be something like a flood or a catastrophic car accident. Leave the emergency fund for emergencies.
This might mean cutting back a bit this Christmas, but you can do it. You might as well focus more on what the purpose behind Christmas is (and it's NOT presents and Santa.).