<prompt> Human: I know these type of questions have been answered already but I really need the help on this. To make it clear, yes I have learned my lesson already with credit cards. My mom used more than half of my credit and its screwing me over. So never again lol.Should I put more money aside to pay this debt off sooner or put more off for emergency fundssavings which I dont have much in. My only major expenses are my phone bill and my car payment which is a total of 200 a month. Luckily I am still living with my parents but meanwhile, Id like to build my credit as to pay off the majority of this debt. I make around 1,000 a month. Also, do I NEED to pay off the whole debt now? or live with like 10-25 of the balance for a little longer? Right now interest is hitting me about 100 extra a month. Is there a certain percentage rule to use to put money aside for this and that, etc.? For example, 10 of income to use for debt and 20 of income use for savings?Thank you everyone!!  <response>: I suggest removing your moms access to your credit cards, if she was using them without your permission.I then recommend you live frugally for the next year and pay off all of your credit card debt as soon as youre able. You might even consider getting a side job so you can pay down your debt more quickly. Other people are recommending you save up an emergency fund, but since you live at home and have few living expenses youre responsible for, I dont think thats really necessary. All of your extra money should go towards debt repayment, and once your credit cards are paid off you can build up an emergency fund. 