<prompt> Human: Little back story, Recently moved house and started a new job, want get my finances in order and start saving properly. Im paid hourly but make on average 1400 a month after tax plus after my pension contribution 3 matched by my employer equal to about 70 a month and student loan repayments.I have 2535 in credit card debt - monthly minimum is around 80 a month, which I pay off plus some every month.Rent and living expenses amount to 625 a month. No car payment as I bought it outright but 130 insurance until renewal in July. I have a standing order set up to pay 30 a month into a savings account plus Ive started the 52 week challenge this week. I spend about 200 on gas and groceries a month. My main objective is to pay off my credit card and start turning that wasted interest into savings. Any tips or pointers you can offer?Im fairly new to this subreddit so apologies if anything is wrong...  <response>: So:Income1400 poundsExpensesRent and living expenses 625Car insurance 130Gas and groceries 200Credit card minimum payment 80Total: 1035Surplus: 365 pounds. You currently put 30 of that extra money into your savings account and an undefined amount as an extra payment towards the credit card. My suggestion would be to not participate in the savings challenge, because currently you have a more important goal in your life: the 2535 credit card debt. It probably eats something like 15-24 of interest per year, and thats just way too much. I would create a small emergency fund of 600 pounds roughly 1000 dollars in your savings account, and after that just completely focus on paying down that credit card debt, until its gone. This should take about 8 months or so. 