<prompt> Human: I have quite a few cards, with about 25,000 in debt total. My plan is to focus on the highest interest and smallest cards first, and go from there. Heres what I was wondering:Say my minimum is 160 a month. Ill have 300 extra on top of that to pay from now on. Is it better to pay 460 a month, or continue paying the 160 then every three months pay 1,060?  <response>: Paying as soon as possible is best in terms of reducing the amount of interest youll end up paying.Thats because every dollar of debt accrues interest until you pay it off, so paying it off earlier means it stops accruing interest earlier.However, you should have some cash cushion as if youre unable to make the minimum payment at any point, all the saved interest will be lost when you end up paying late fees. 