<prompt> Human: So over the last couple of years I have racked up a credit card debt of over 7,000 over seven or eight different accounts. Some of the interest rates are embarrassingly high but I was stupid and did not understand them when I signed up for them and consequently I have been drowning financially under the weight of all of the interest. It seemed like all of the payments I could make were instantly negated by interest.I have been given the gift this Christmas of a 7,000 loan from a family member with 0 interest that I will be paying off over the next 3 years. My question is what do I do now with the bit of residual money that I have? My payment to this family member 200 a month will be cheaper than my payments on all of these accounts 315ish and Im wondering if I should just lump in that extra money to pay off the debt quicker or take advantage of the extra money and start saving it somehow.I am an absolute idiot when it comes to money, I have always bought what I wanted when I wanted it and have never been able to save up any sort of money over 200, and even that didnt last long. I am now 31 years old and trying to get my shit together, before things get even worse than they have. Please help me.Assistant: Noticed Ive been down voted to hell. Did I commit some faux pas?  <response>: If you did, I dont see what it was. This is a well-intentioned question and youre accepting advice graciously. I think youre fine. 