<prompt> Human: I just received a 12 raise, backdated about a year. My new yearly salary is 67,500 which means I just received about 3800 in back pay. I currently have about 1300 left on my auto loan, at an APR of 8. Ive been paying 280mo for the past year and a half and have 5 payments remaining. I also owe about 3000 on a credit card, currently with a 0 APR. That intro APR expires in December 2014. I opened the card last September to distribute some vacation expenses, but have ended up putting another 3000 on the card of unexpected car repairs. My question is this: whats the smartest way for me to apply this chunk of back pay? Should I pay off my car right away, then put the money I would be paying towards the car into the credit card debt? Thats my first instinct, as it will reduce the interest I pay. Ive been consistently contributing 400 to the card per month, however I need to increase that to pay it off by December. The standard APR on the card is 19.For other monthly expenses: 210 student loans 150 car insurance 200 gas 785 rent200 gymutilitiesMMA classes??? food Id appreciate your opinions. Thanks  <response>: Pay off your car immediately, and make sure to pay off your credit card before your 0 promotional period expires in December. If you put 680 on your card and not charge anything else on it, it will take you 4.5 months to pay if off in full, which should have you CC debt free in November. Save the remaining 2500 from your back-pay, and use it as an emergency fund, so you can avoid getting into CC debt in the future. 