<prompt> Human: Hey guys!Looking for advice on what my payment strategy should be for paying back my lump sum of Credit Card debt. I recently signed up with Discover to transfer over balances from other cards, the total amount is 6,640 - this card has 0 interest APR for 14 months, 3 balance transfer, etc. My first payment rolls in June 5th, the minimum is 35 but Id obviously like to pay off this amount ASAP.I make anywhere between 1600-1800 every month, but my spending quite high cigarettes, eating out, gas etc - but I want to strategize the best possible way for me to pay this back before the 14 months - now this all seems quite simple, but I get extremely afraid of the thought of having a majority of my money put out like this.I also have 5 in my savings account and float around 200-300 in my account after all is said and done.Any suggestions rpersonalfinance ?Id appreciate it, thanks so much :  <response>: Stop spending so much on miscellaneous things cigarettes, eating out, gas to go to places beyond work and other necessities. 