<prompt> Human: Have had a close relative pass away recently, left us with windfall of 5000AUD, we have 7000 on one card at 13.24, and 2000 on the other with a balance transfer of 1300 21, and remaining 700 13.5. Should we pay all of the higher rate debt first or put 5k into larger debt?  <response>: Id pay the higher interest first because its less than 5k so youll be done with it. Use the remaining on the lower interest. 