<prompt> Human: Hi PF, Ive been a lurker on this subreddit for a while and Ive seen you guys help countless people with your advice. Now I need your help as well. The title pretty much says it all but Ill add some info.I have 2,480 in debt, 500 of it is from car repairs, and 1900 is from a laptop and fridge from Best Buy. I have 3,400 right now in my savings account, and I bring home 6-700 every two weeks. Every time I get a paycheck, 100 goes to the car repair debt, 100 goes to the Best Buy debt, and 100 goes to gas. Every 3 months of so I have to pay 150 for car insurance, and then I have a monthly phone bill of 60. I also have a money down credit card with a limit of 250 that I occasionally have to pay off if I run out of money before my next paycheck. All that being said, Ive been seriously considering using my savings to pay off my debt and use the money Id be saving every two weeks to start building up a stronger savings. My next big purchases are going to be glasses, and a new AC unit, which comes to about 800 for both. Am I crazy for wanting to use my savings? Should I continue to slowly pay off my debt or pay it off and start fresh?I apologize for any formatting errors, Im on mobile.Edit: forgot to include interest info. The car repairs have no interest as its a loan from a family member. The Best Buy card is 2.4 interest, but I have 4 months of 0 interest left before it kicks in. Also, to clarify for those of you that have never heard of it, a Money Down CC is basically a prepaid credit card. I paid the bank 250 to activate the card, and now I have a CC with a 250 limit. It was basically to help me start building up a credit score. That was 3 years ago but its been so handy and so controlled that I havent gotten rid of it.  <response>: It depends, but since you have a card that you use when you run out of money before your next paycheck, it sounds like you hover precariously close to hand to mouth.Paying off any debts that have interest would help you with that. If your interest is 0, then wait, and just keep paying it slowly. But if it is more than 0, then pay it off in full now, so you can save more quickly.A simple calculation you should do...Figure out how much you are paying in interest every month.Imagine your budget if you WERENT paying that.Is that number worth it?Maybe it is only 20 in interest, and you are ok with that. But maybe it is 100 or more, and it sounds like that would be meaningful at your budget. That is real cash flow. 