<prompt> Human: have 200 of debt on my credit card I have lowered this by 1000 over the last few months. Most of that money I have been saving for a vacation I will be taking next monththe end of this month . I have taken my credit card out of reach so incurring any more charges onto the card wont be possible. So the two choices I see right now are: 1. Pay off the credit card immediately by taking money out of my vacation fund and be out of debt so I can put more money into the savings account or 2. Keep putting a fraction of my earnings into my savings account and just pay off my credit card with my next paycheck. What is my best option?  <response>: Unless your savings account is earning more interest than your credit card which I HIGHLY doubt then you are losing money not paying off the card.Pay it off. 