<prompt> Human: Hello. 18 year old here, 19 in a few months. I have a CC debt of 6,000. Im in a position to pay this debt off by the end of 2015. Should I pay the debt off or purchase a car? I need a car, but we have an excellent transport system in Sydney, though I dont like the transport system its very available reaches virtually everywhere. I really need assistance in how to decide what to do. I really need a car and I really want to eliminate this debt that Ive managed to rack up by being extremely stupid with money.  <response>: If you dont NEED a car reliable transportation and you just want one, I would do credit card first. 