<prompt> Human: I paid off my 14 interest credit card this month yay, and now need to pay off two 0 interest cards 2,024 due in October 2014, 1,216 in March 2014. Im thinking about three methods. 1 make minimum monthly payments and put extra cash in savings to pay off the full amount before theyre due. This seems the best method from a financial standpoint, but makes me a bit nervous as potentially an emergency could occur and I wouldnt be able to make the final payment, resulting in getting hit with accrued interest. 2 Make equal monthly payments that would result in the cards being paid on time. I wouldnt make as much interest from savings, but wouldnt have to worry so much about a balloon payment. 3 Pay them off in full ASAP -would take about 3 months-and no longer have to think about the damn things. Just looking for some advice on what to do, or if theres another method I havent considered.  <response>: I like making equal installments every month, just to keep budgeting easy.1,216.00 7 months 173month Id round up to 2002,024.00 14 months 145month Id round up to 150 