<prompt> Human: So I should have about 600-700 in disposable income from my next paycheque. Im wondering I should use that to pay off the rest of my phone plan currently costing me between 120-225 per month. In doing that I could switch to a 40 a month prepaid deal and use the savings to pay off my credit card debt which is currently hovering at around 4700. Alternatively I could put the cash straight toward lowering the credit card debt. At the moment the minimum repayments are far cheaper than my phone plan but Im wondering what the best decision is? Any advice?  <response>: Put it on the CC debt without question and keep throwing every cent you have towards the CC until its completely gone. Once the balance is paid off in full, make sure its paid off IN FULL every month for the rest of your life. Dont look at minimum payments. Thinking about it this way is exactly how you find yourself accumulating CC debt in the first place. 