<prompt> Human: Edit:I appreciate all the advice. After the 3rd or 4th reply, I went to and setup the payment to come out of the checking account. So Im now 2255 less in debt :.Original:All together, I have 3 CCs. One from WalMart where I owe 4500, another from Fidelity which I owe 1500, and the last from a bank where i owe 800.I have 1300 saved up but plan on moving in the next month so will need to be sure I save enough for that and really dont want to go below the 1000 mark in savings.Paycheck - 1273 700 will go towards billsBonus - 1130.41Tax Refund - 1142.00I have plans on paying off the smallest two cards but now I see this money in my account and Im like dang, I dont want to spend it as soon as I get it. What if I let it set for a couple months, keep making the CC payments, save more money to where I can just pay off all three the exact same day.Is that dumb?  <response>: Keep a thousand bucks in savings 