<prompt> Human: Im 22, graduated college last May, have been in a full time position since then making about 19,000yr but just negotiated a raise to 28,000yr. I have roughly 5000 in student loan debt, 2000 in credit card debt, and not including those payments I have 1000 in monthly housing expenses and recurring payments. Ive had a savings account for many years, but never any money to save so its pretty empty. My question is how should I go about saving money and paying off debt at the same time? Sometimes I feel like all my money should go to paying off debt, other times I feel like I should save it all, then I try to find a balance but I feel like Im not making any improvements on either one. How do you find the balance between saving money and paying off debt?  <response>: Use my new Flowchart! 