<prompt> Human: My husband and I are really working on paying down our debt, and hopefully getting into a house next spring. We are moving into an apartment next month that saves us 350 a month from what we are currently paying. When we get our deposit back from our current place, it should be about 2000. Once we get that back, I want to put it towards my credit card, which means we could realistically pay it off by August at the latest. Should I put that extra 350 towards my card first, or should I already start separate savings? I was planning on at least saving the difference in rent to put towards the down payment, plus once my card is paid off, at least another 800 a month too. My husband has no credit card debt, we paid his off first since he has higher interest. We also just refinanced our cars at a much lower rate, but kept the payments the same since we can afford them, that way we are kind of forcing ourselves to pay them off early and pay less interest. Please dont berate me, I will never buy a brand new car again! We wereare young and excited my husband got an awesome real job right out of college. Lesson learnedSo I think we are on a pretty good track. Other than the cars, we have student loans, which are manageable. Once we pay off the cards, I just dont know what to do with that extra money. I want to get into a house before we are done paying off the cars since I hate throwing money away renting. What is a good plan of action if I think we want to access that money in less than a year? We have brought our credit up to a decent place, and it will get even better once my card is paid off.Any advice is appreciated. I come from a family that is terrible with money, never taught me anything about finances, and has always lived paycheck to paycheck. We are really trying to learn and get out of that situation, and we want to make smart decisions. So please dont make fun of me if these are stupid questions.Let me know if you need more information to answer my questions. I hope this all makes sense.  <response>: Should I put that extra 350 towards my card first, or should I already start separate savings?Towards the card. Dont start saving for a near-term purchase and next Spring is still very much near-term while you have credit card debt.I would re-consider you timing, too, if you have auto loans. 