<prompt> Human: Currently have several small debts.Make about 700 a paycheck bi-weekly and just got promoted into a spot that will give me better bonuses monthly.My debts:Interest Free Card until August of next year: 341Interest Free Card Until April of Next Year: 900Reg CC: 200: Current checking account status: 300I do get paid next week and my next car payment isnt until my next paycheck after that..Im almost completely debt free and Im happy about that. Im 18 and my credit score is already 730 so Im ecstatic about that too. One thing i dont like is i kind of live paycheck to paycheck because i dont have savings or anything like that, Ive never been given any inheritances or college funds or graduation gifts of significant value. Is there anything overall i can be doing better on any of these topics?Assistant: Yes. Stop using credit cards because you dont know how to use them.You pay the full statement balance every month when you get your statement.If you cant commit to doing that, youre living beyond your means and you should stop using them.Human: I dont believe that. I havent gotten into any issues at all. I pay my bills on time with no issues and my credit score has sky rocketed from 590 when i turned 18 to 730 10 months later. Assistant: Credit score isnt a good indicator of financial health. You say it yourself: One thing i dont like is i kind of live paycheck to paycheck because i dont have savings or anything like that.You dont have those savings because Jazzy_Josh is at least mostly right: your CCs are enabling you to buy more than you can afford. Thats why you have no savings and have CC debt.Carrying a CC balance is a major indicator of not being in good financial shape. Its not perfect there can be emergencies or other unusual circumstances, people taking advantage of 0 rates and not paying the card off immediately even though they could so that they can keep the money in an interest-bearing account or somewhere better invested, but its pretty good. The people who are in good financial shape can afford to pay their card off each month.This isnt meant to be an indictment of you; just to try to get you to recognize that your very post illustrates why Jazzy_Josh is pretty much right.Human: I dont feel that way though. I utilize a lot of debit card payments on food and beverages and every day stuff. If i wanted too i could pay off my cards with 3 paychecks, if i was buying stuff i couldnt afford i couldnt make the payments in the first placel  <response>: Youre currently 1000 in debt. You have 300 in your account and 1400 of debt. During your life, you have apparently spent more than you earned. 