<prompt> Human: My fiancé and I will have about 5,000 of unexpected money in the coming months. While its a small part of our household income I want to be sure we dont just blow it as its completely unexpected and I think we could do some good with it in the short term.She would like to use it to buy a new bed and pay off a small unsecured loan from a few years ago while I would like to invest it.Im not sure if it matters but here is our general financial picture:IncomeMy salary is 44,000 a yearHer salary is 60,000 a yearI make 10-20k a year in side income from appweb development and programming but its unreliable and I generally dont factor it in at all for any financial decisions.Monthly DebtsMortgage payment is 900, including all taxesinsurance and a little extraHer car lease - 247My car lease - 291Unsecured 3-year loan from 2010, 170mo, 2k-2500 balance this is what shed like to pay offHer student loan balance is around 16k, payment is 180moMy student loan balance is around 21k, payment is 150mo but I pay 250Her credit card balance is 6k out of 10kMy credit card balance is 1k out of 1300Savings amp; InvestmentsI have a 401k that was just opened last week my job is the first job Ive had with a retirement plan and Im not eligible to contribute until next month.Her 401k has about 10k in it.We will be getting married in October 2013 and have about 4,000 saved for that so far. Thank you guys for your help and let me know if theres any other information you would need that would help you tell us what we should do with the money.EDIT thank you all so much for the very informative answers! My credit card is 0 through Sept 2013 which is the only reason I havent already paid it off. I have asked her what her rate is and will update this post with that figure. She has had the card for some time but has a perfect payment history.  <response>: You left out the interest rates on all of your debt, which tells me that you have a lot to learn about personal finance.Does your fiancee have a reason she wants to pay off the unsecured loan? What is the interest rate? If its higher than the rate on the credit cards, her idea makes sense. If the credit cards have a higher interest rate, pay them off first. Then stop carrying a balance on your credit cards. Its tempting to use the money that is available, but its far less tempting when you realize how much extra youre paying in interest. Sacrifice now to get out of debt, youll free up a lot of money that youre currently spending on interest each month.Leasing cars - usually a bad idea financially. If youre leasing cars for some financial reason cost less than buying, not having to pay for maintenance, thats a poor financial decision. If youre leasing cars because you want to drive a new car every couple of years, thats a lifestyle choice and thats up to you.401k - contribute enough to get the max employer match. That company match is free money as long as you stay at the job long enough to keep it. And since it comes out of your paycheck before you ever see the money, it will help you avoid falling into the trap of spending money just because you have it. 