<prompt> Human: My numbers: Income after tax 4.5k per month Actually 2,250 per paycheck, so Im ignoring the 2 months that I get 3 paychecks. Rent, utilities and transportation 2,150 per month. Savings 0. CC debt: 15K, all on one card, 0 interest until June 2013. Student loans: 15K, all fed govt, minimum monthly payment of 200 starting Jan. 2013.22 years old. 401K benefits not available until next summer, plus, getting rid of CC and student debt seems more pressing.Whats a reasonable way to apportion the remaining 2350 per month after my non-negotiables 4500-21502350? Right now, Im basically using one paycheck a month for the non-negotiables and the other for CC payments and fun, but without some sort of plan, I go overboard on the fun shopping and partying and Im not facing the CC debt in a real way. I have a good job and am not in horrid condition thank god the CC interest is 0, but now Im trying to think of how to set my goals.Goals being: pay down CC debt consistently, make student loan minimums, save consistently, and know what my limit is for fun shoppingclubsetc.Thanks!  <response>: Make sure you read the fine print on that 0 card!Its very likely that if you do not pay off the balance before June 2013, then you will be hit with retroactive interest charges on the entire 15K, regardless of the balance in June 2013. Each card is different, but make sure you understand the fine print, it will bite you if you arent careful 