<prompt> Human: I have exactly 2000.00 of credit card debt and I was considering just using all of the money to pay that off. I was wondering if thats a good idea or if I should pay say most of it off and save a few hundred dollars? All of your advice is appreciated.  <response>: the smartest thing to do is to pay off your debt. that way you wont accrue any more interest and the debt wont grow. afterwards what you can do is put a small amount of money aside either weekly, biweekly, or monthly into a savings account where you could later use that money to invest or treat yourself to something nice. 