<prompt> Human: Hello all! I hope to simply share my debt repayment story thus far and publicly state my commitments, goals, etc.Im living through my second year out of college this year and have been able to really put together a budget and a plan. Heres my story... I came out of college with a bachelors degree and 35,000 in student loan debt. I was able to pay off 18,000 last year by using tax returns and some small windfalls I received. I was living with my parents paying minimum bills which helped tremendously. I realize that If I had made a real plan last year and committed to a sparser life style, I probably could have paid off my entire student loan debt last year. But alas the temptation of spending my full time salary left me with only a half-hearted repayment strategy.So, big events towards the end of last year... I moved out of my parents place in November, took possession of my auto, health insurance, phone bill and added more bills that I had to pay due to my living situation. I was also in an accident that totaled my vehicle recently and had to purchase another one, adding another 8,000 in debt. Ironically, this pressure on my cash flow led me to create a budget. Its not all bad news because I was recently promoted to an income that is amazing for my area of living.So right now, today, I have...12,500 in student loan debt5,200 in car loan debt600 in credit card debtAnd Im able to pay starting the middle of this month...2,600month note: this is after all bills and monthly expenses, like food and gasBut I am able to do some positive things like...50month towards investing mutual fund, more for entertainment purposes at this point500month into an emergency fund I could be fired tomorrow and live for about 2 months, sans debt repaymentI have 300 pocket money per month to do whatever with.How this shakes out is Ill be able to pay off my all of my debt by the end of this year. December, my last payment should be around 400, leaving me with 2,200 now what do I do with this? money that month...!!! Its more exciting than anything else but it also feels like until then Im waiting... Just waiting, 8 full months of waiting... 300 pocket money certainly doesnt go very far, especially when its 6beer at the local watering hole, I can assure you of that. I mostly sit at home teaching myself more about software engineering because I have access to a premium service for free. I sometimes worry about finding a girlfriend because I cant really fit another person into my budget right now. But, back to the positive, Ill be able to post all my zeroed out loans to reap some facebooksnapchat props to you, bro! commentslikes at the end of this year! Just as long as I can accept this state of stasis between now and then.Anyways, I was just hoping to share my story. Thank you and I appreciate you for reading!Assistant: 1 Why are you investing when you high interest CC debt? Knock that out immediately 2 What is your interest rate on your car loan? If its above 3, I would pay that instead of investing. 3 Props to you bro!Human: 1 Its a best buy credit card, 0 interest until November. I dont want a credit card ever... Being this much in debt at the start sucks real bad and realizing how much life is going to cost marriage, home, retirement makes me want credit card debt even less!2 6.7 APR. Im on the avalanche strategy so my car payment is consuming my entire debt repayment money since it beats out my 4.66 student loans! 50month isnt really going to help that much. Plus watching my money slowly, oh so slowly, make money is worth it for entertainment.3 Thanks! :Assistant: Wanting a credit card ! wanting credit card debt.Human: Why get a credit card?  <response>: Pay it off every month and you get free rewards. Plus account protection since the card isnt directly linked to your bank account. 