<prompt> Human: Were getting quite a bit more back than we thought, and now were having trouble deciding what to do with it.I would like to take a little less than 600 and settle my CC debt. Its at more than 1000 and has been on my credit getting worse and worse for almost 6 years. Recently the bankcreditor offered me a 50 settlement which I really wanted to take, but couldnt. I want to contact them once my taxes come in and tell them I will pay the 50 if it can be settled once and for all, and I dont see them turning it down. I want to do the same with a store card which only has a couple hundred on it.My husband thinks we shouldnt do that because were in such a tight spot. He thinks it would be a better use of the money to put some aside in a savings account which I wanted to do anyway and use the rest for rent, groceries, gas, etc.Im looking long term because we want to buy a house within the next year, if not the next few months, and our credit is utter shit. Hes looking short term because he really just doesnt want to get evicted.Can you help us?  <response>: Youre in no position to buy a house within the next year much less the next few months unless you have a major windfall coming.Pay the credit card but not for the reasons you mentioned. Pay it because the interest rate is insane. Hes not short sighted. He has the right idea, just isnt thinking about the interest. 