<prompt> Human: I currently owe my credit union 227, and Wells Fargo 240. 60 of these balances are from overdraft return fees believe it or not. I was recently caught doing 39mph in a 35mph zone and the ticket is 250. Im also struggling with expensive car insurance being a 20yr old male and I went 7 days with no insurance. So the DMV sends me a letter saying Im gonna get fined a minimum of 250 up to 750. I only make 1100mo with my part time amazon job but I dont pay rent so I was able to save about 1400 in 3 months. After I pay all these fines banks Ill be at rock bottom again. So that leads me here typing this in bed with a double chin. Is it smarter to drain all my hard earned savings and pay these fines? Or pay them one at a time with my upcoming paychecks and work with the little change I have left over.  <response>: If the fines incur interest or penalties if you dont pay them, then you should try to pay them off immediately. 