<prompt> Human: Been a lurker for a long time and finally decided it was time to ask for your help. As the title states, we are trying to decide which is more important. We currently put 10 of every paycheck into our savings account and about 5 towards credit cards. Income is 45k gross for a family of 4 and we have around 2,000 in savings with 3,500 in credit card debt. The credit card debt is interest free for the next 10 months because we transferred the high balance to a new card which was running one of those 12 month no APR deals. Also, we are hoping to buy our first house within the next year or two and do not have any student or car loans.. And income should be increasing to 55k within the next year. Any advice appreciated!  <response>: If you currently rent, I would put 10 toward credit cards and 5 toward savings.If you own a house more can go wrong if you own than if you rent, I would continue what you are doing until you have about 4,000 in savings and then after that put more towards credit cards each month. 