<prompt> Human: Im 30 years old, married, and have 2 kids.Long story short: In June 2014 I got a new jobJob B that paid 25 more than my last jobJab A. Then in October 2014 that job got outsourced but the outsourcing company liked me and offered me a jobJob C making close to 75 more thatn what I was making at my previous jobjob A. So my first year making this much money I splurged A LOT. To the tune of 12k. I worked hard these past 5 years so I wanted treat myself. Heres what I spent the money onBallpark estimates 1500- Watercooled gaming PC500 - FreeNAS machine500 - PS4 and games500 - Wii U and games800 - 3DS and games. it was actually 3 different 3DS systems which were 470600 - Funko Pops1500 - Phones I had to get a one replacement because 1 of the phones broke Otherwise this would have been closer to 1000500 - DSLR1000 - Furniture that were optional and not NEEDED but I wanted1200 - 12 grass fed Cow500 - Anime boston1500 - baby stuff1500 - presents, birthdays and miscAside from the cow I dont see anything on this list that Ill likely get again.Im going to get modest with presents and birthdays. Ill probably skip anime boston this year or if I go Ill control myself with the spending.Realistically speaking I dont think Ill be saving all 12k but 8-10k should be realistic.What I should do with that money is where I need help.My credit is not great so I would like repair and make it better. Im at about 650 ish credit score and Id like to be at 750.I have about 32k in student loans that Im paying back on time every month and reflects good on my creditI just financed a car for 24k. like 2 weeks ago. 5.09 interest which is not great but its not bad. I can live with it.I paid off my previous car this year but I did miss some payments during the finance term and Im wondering if theres anyway I get this removed from my credit report. Like as an act of good will or something.I have a private student loan that I been avoiding. but Im pretty sure its affecting my credit score badly. Like I graduated college in 2011 and I have just not been picking up their calls which is dumb I know.I have an upcoming court date with BoA about a CC that was closed a long time ago so Im not sure it still shows up on my credit report but I think the firm representing them keeps pulling up my credit and that might be affecting it badly.I think theres 2 other misc things on my credit that are fairly cheap to pay and have removed from my credit report I hope. 1 is Early Termination FEE from verizon and I forget what the other one was but the 2 are about 400 together so easy enough to take care off.I only have 1 line of Credit and thats with Amazon. Its a very high interest rate card but I only use it with the special financing option which doesnt charge interest. IF paid off in a year 500 or 6 months 150No savings. Planning on getting on my companys 401k during open enrollment. But no other plans as far savings and other types of accounts that helps me get more moneySo PF gurus what do you think the best course of action should be for me. Please guide me because Im terrible with money and never realized how important credit was in this country.Thanks in advanced.Edit here is my Salary and expensesSalary is 70kyear its broken down weird though but whatever still 70k60k salary6k in regional living expense bonus 6k264k in quarterly performance bonus4k4I get paid bi weekly. I take home about 3900 after taxes and health insurance every month.I get 1k every quarter for my bonusMy expenses1000 rent500 car 421 minimum130 car insurance 220 student loanThe one Im actually paying110 Cell phone bill220 train pass70 gas50 diapers and other bay stuff500 foodSo that leaves me with a 1kAssistant: Why did you finance a new car when you just paid one off? Did you need the second car? Did you sell the first car? Need more info.Human: Needed a bigger car for the growing family. Sons new car seat didnt fit in my previous smaller car.  <response>: Would have saved money to have bought a smaller seat instead. 