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I have a small amount of $ in my savings account...Do I 1)pay down a credit card, 2) do (needed) work on my house, or 3) keep it there for "just in case"?
Those are all good choices. Paying off debt is always recommended. Of course your home is also an important investment, so needed repairs can be important in terms of maintaining that investment. And, I don't know anyone who would say it's a bad thing to keep some money aside for a "rainy day."
If you think you can budget a little for each of those three things you might want to try that.
(You might also want to get some profressional financial advice). Do some research and find out if there are any free or low cost financial planning assistance agencies in your area. They might be able to look at the hard numbers and give you better advice. Good luck!