<prompt> Human: Background: So Im receiving a 15,000 bonus this year at work. Im currently paying off 2 credit cards, one with 14k on it and one with 3k on it. I also have 2 car payments, one of which I owe 10k, payment is 266month, should be paid off in 2 years. Other one I owe 16k, payment is 306month, should be paid off in 6 years just bought. Problem: Im having trouble paying the credit card which I owe 14k on. Im able to pay it off, but the minimum payment is about 300month right now. Should I pay off the big credit card now, or pay off some of both of them with this bonus? Or should I pay off a car? Im trying to be responsible with this amount of money. Thank you for helping me in advance.Edit1:Interest rates: 14k credit card : 12.993k credit card : 10.9... this also has a cash advance interest charge, not sure what it is, but the account says Prime 7.655?Cars: 16k 2.511k: 2.79Assistant: Those car loans are at a decent interest rate so dont worry about them. Pay off your credit cards after setting up an emergency fund. Human: Thanks for the reply. How much should an average emergency fund be? Im also horrible about spending what money I do have... what can help me to NOT spend it?  <response>: what can help me to NOT spend it?Self control 