<prompt> Human: So sometime this month Ill have an extra 3900 coming in. My wife and I need a new bed and also want to pay off a 2800 cc debt mine and also have a 1400 cc mine but in July a friend is paying us back 4K that we loaned them and no interested on 1.4k balance till October.Would it be feasible to just pay the 2.8k off and buy a bed and use the rest for other things.Or should we pay 2k in CC, skip the bed and use extra to pad our savings? Note: paying 2.8k raises credit score by 3 points more than just paying 2k.Assistant: Pay your CC debt. Dont rely on the friend to pay you back. Skip the new bed for nowHuman: Even though a legal contract exists for the payment?  <response>: Taking someone to court does not happen instantaneously. 