<prompt> Human: Hello I want to know how to best handle my personal finance so I can figure out the best and fastest way I should pay off my debt I have 10738 in credit card debt with 15.65 interest rate and I have a car loan Im paying off its currently at 11200 with an interest rate of 9.39 i make around 2800 monthly I spend 400 all together on rent and necessary utilities I am 23 with 0 in my savings and would like to pay off all that debt before I start saving Ive realized I should start thinking about my future which is why Ive come here any help on how I should handle this would be greatly appreciated  <response>: First, stop buying stuff.Second, service the car loan on schedule, making no extra additional payments, and throw everything you can at the 10,700 in CC debt. Stick to it and with your income you can have it zeroed out in 10 months.Third, when you are down to just the car loan sometime next year, double the monthly payments on it and knock it off a year ahead of schedule, which will save you hundreds more. 