<prompt> Human: I have about 3000 in credit card debt right now. Im aiming to pay 150month, which will have me debt free in 24 months given my apr. Thats painful, but I can live with it.But should I also try to build a 1000 emergency fund, as often recommended? Or should all of that money go to my credit card?I earn about 700month, no rent, 140 for gas, 80 for food, 90 on whatever Id like to buy usually clothes. Im also trying to save up about 1500 for a new car, mine will not make it more than a few months.  <response>: Since you have no housing cost, I would not worry about an emergency fund. I assume you are young and living with parents, so just focus on paying back the CC while the amount is manageable and not run it up again after. 