<prompt> Human: CanadianEU citizen, living in USA. Visa is up in two years, and I need to save some money before then cause I think I want to relocate. I need to be prepared to relocate in case my visa is not renewed, and Im thinking having 10k saved will probably afford me the freedom to go to any number of places. Heres the overall story:Earning: 80kyear this equates to 5kmo netSpending per month :Rent : 975ElectricWater : 100Legal Fees : 760Medical Expenses : 800Auto loan : 150Auto insurance : 22 yes, twenty-two dollars. i can explain...Total : 2807Debt :1500 credit card debt. good credit, paying minimumsI eat out more than I should, I am not growing my cc debt at all, though I like keeping a balance cause Im new to having a credit score and Ive heard it helps. Every month I end up with a little bit of savings, but these new legal troubles and medical issues mean Im spending quite a bit more every month than I was before, and have reduced my savings to nothing.Can I save 10k in the next 20 months? Is there a right way to do that other than just putting the money away? Can I put it somewhere that I cant touch it? The situation Im in lends itself to fancy dinners out, lots of entertainment, concerts, etc, so I sometimes just dip into my savings when I shouldnt.Should I be thinking about investing somehow for this kind of short term thing?Hope me, reddit!  <response>: Carrying a balance isnt helping your credit, youre just throwing money away on interest. 