<prompt> Human: So I recently got out of a pretty irresponsible relationship that consisted of a lot of needless spending. I am now single, and looking to try to be more responsible with my spending. I have a second job 4 days a month, and I average about 400 a month. My goal is to be able to make a down payment on a house within 4 years on my own. Would I be better off putting that 400 toward my credit cards, andor car payments? Or would it be better to maybe pay a little extra on them while also saving? Just looking for some advice on what the best course of action would be to achieve my goal. Thank you in advance.edit : I just want to thank everybody for taking the time to give me some advice. It is greatly appreciated! It seems that there are some different opinions on whether I should begin saving now vs. paying off my credit card debt. I think I am going to begin paying off my credit card debt for the first few months, and then once that is down to around 40-50 I will begin to put some away in an emergency fund. I will probably be back to check in sometime in the near future to ask for more advice on some investment options.You all are doing a wonderful thing here. Enjoy your holidays!Assistant: Knock that credit card debt out first, its probably 10 interest.Human: So it seems knocking the credit card debt out while still putting some aside for an emergency fund is the common consensus. Is it best to put the emergency fund towards some kind of investment?  <response>: Id go with the CC. Having 10-15-20 interest rates on a CC IS AN EMERGENCY. 