<prompt> Human: Hey RPersonalFinanceI have about 10k saved up in a savings account that I have been nursing for about a year now. I really dont operate with much of a budget and save sporadically. I have been throwing money into this savings account since it dipped to 1,500 in September of last year I was unemployed for a few months and needed it to keep afloat.I will be honest I have not been the best on paying my student loans on time and I would probably guess that my credit is horrendous however I do not have a credit card, I dont finance a car, essentially its just my student loans and cable bill...which are never paid on time...smh. I make about 30k a year living at home working 3 different jobs. I was going to call my student loan handlers and find out how much money Id need to just pay them off in one shot. I calculated that I owe about 10,5 across three separate loans interest rate is at around 6.7. I was going to either pay off all three obliterating my tiny nest egg and setting me back to zero or just two and slowly pay off the other. Its mostly because I find I am terrible at keeping up with bills and the like. What would you all suggest? Also are there any tips on creating a budget? I feel like I have this anxiety with just knowing how much money I have in my account. Basically I just end up spending money on my checking without ever checking the balance. I make enough that I never overdraft...but I feel like I am not actually using my money for anything of use and nothing to show for it I want to move out...but living in NYC sucks. I want to get more mature with paying my bills...but I feel like there is just a wall up against me. I procrastinate them so much...even when I could easily take 15 minutes to just write the check and pay them.What do you all think?  <response>: I calculated that I owe about 10,5 across three separate loans interest rate is at around 6.7. Yes, pay it off asap. Make sure you have a bit of an emergency fund set aside though. I procrastinate them so much...even when I could easily take 15 minutes to just write the check and pay them.This is on you 100. Change for the better and avoid suffering future financial hardships.Also check out the FAQ 