<prompt> Human: Im a new lurker and this is my first time posting. Please bare with me. A little about meNew dad at 24 years of age. I live in an area with a high COL, but Im still able to save 800.00 per month. I recently received a 2.3 increase in my pay as well. Im trying to save 20k per year for 5 years to have at least a 17 down payment on a house in a different area in my state. I only started saving in March of 2016. I was dirt broke during college where i would have 5 dollars for 2 weeks into my next paycheck so i started using my credit cards and well you know how that goes. I racked up 6000 dollars in credit card debt. I used my tax returns to pay off one credit card this year. Working on the other two now. I will now get more detailed about my income and expenses. IncomeI get paid 26 times per year with an average take home pay of 1650 per paycheck. So roughly about two times per month where two times out of the year I get paid an extra check per month. 3 of my pay goes into a 401k which my company matches 50 cents on the dollar for up to 1000 dollars. The 3 is an estimate of 70.00 per check. For a yearly total of 1,820 dollars, and with the company match 2,320 per year. Fixed ExpensesRent: 800.00Car: 423.49Insurance: 137.00Phone: 85.00internet: 35.00PGE: 23.00Credit card 1 balance of 28813000: Making minimum payments of 63.00Credit card 2 balance of 11842000 : making 200.00 payments to pay it off and then onto the next one. Credit card 3 balance of 0.001000 : Paid off!!Emergency fund: 1000.00401K : 2,009.43Savings: Throwing 800.00 per month into an Ally bank account that gives me 1.00 APY out of sight out of mind thing I got going here. My plansquestions to you Any windfalls i get or additional raises I get are going into my credit card debt and then into my savings. once credit cards are paid off, I plan on putting those 263 dollars into my savings as well. If i keep saving 800.00 per month for 60 months i will have roughly about 50,060 with the 1.00 interest in the Ally bank account. Can i save more? Can i do anything else to save more?Thank you for advice and help. Edit: Thank you all for you feedback. I went ahead and paid off credit card 2 with the 1600 i had saved up already. Putting 1063800 savings 200 from CC2 63 from CC1 into CC1. at that rate it should be paid off in 2 months. From there i can possibly save 1200 per month with careful budgeting.  <response>: You would do better, and save more faster, if you put the 800month into paying off the CCs.You have 4,000 of CC debt. If you put the 800month on top of the 263month into paying them off, you would have paid them all off in less than 5 months, and then could put all 1,063 per month into savings.You would save a lot of interest.You would have 58,000 saved up in 60 months, instead of 50,000.Good luck. 