<prompt> Human: Basics: Im 20yo, working two small paying jobs. I have 3 credit cards. Card One is a secure credit line with a limit of 300 using 250. Card Two is a credit line limit of 1700 using 1300 6 m no interest ended 912 since March of this year. Card Three iis a medical credit line with limit of 1500 using 400 12 m no interest. Lastly a car loan with 3500 left to pay. To begin, I have a problem with saving, wherein if I put money in a savings account, im too tempted to withdraw that money and spend it on something. My jobs pay my bills and then some, but then my buying desires kick in and eats up everything I have and leaves me enough to get by with general life necessities. I need a sure fire way to put money in a place where I cannot reach it unless truly necessary and potentially gain interest. Then about the credit cards, Ive been told and read that its better to pay off a credit line in time rather than all at once. But others have told me that paying it off faster is better. Im conflicted and not sure what to do. The 1300 credit line is going to be paid off within the next month and a half due to high interest rates but Im not sure about the other credit lines. Im making more than the minimum payments but Im not sure how any of this is going to affect me financially in the future with credit scores and what not. Whats the best way to actually handle and pay off credit cards? I know that Im going to be able to save a lot of money when these bills are gone, but Im not sure how to handle cash savings or credit lines. School only taught me so much and my family isnt anything to look up to financially. Also just a side thing, if anyone knows anything about insurance, I would appreciate some help in this front Thank you to everyone that took the time to read this. I appreciate it!!! _  <response>: 1. You may be interested in our faq article on budgeting. You will need a budget to figure out where your money is going.2. You do not need to pay a dime in interest to build credit. It is always better to pay down your balances where possible i.e., as soon as you have the cash. See our faq on Credit for more information particularly the common myths section under FICO scoring. 