<prompt> Human: I never have really consulted other people on how to manage my money, but I seem to get by just fine, however, I do have some small debts I want to get rid of and wanted to crowd source ideas about the best way to manage it.Current situation is this; I have about 2600 in Credit card debt, and owe about 5000 on a car loan, I want to get rid of these debts quickly, but not cash poor myself. Cash in the bank is a feel good for me.currently I have about 10K in Savingschecking combined, and my income is around 2400 take home every month. Normally, I pay about 200 towards my credit card every month, about 300 to my car loan, 550 to my housing, 220 in student loans, 300 in others utilities, Cell phone, home internet, gasoline, food. 200 for play bars, impulse Amazon buys, other various needs. Then I bank the rest into checkingsavings. Some months I bank a little more, some I bank a little less; Girlfriend is a factor here too, sometimes a little bit more gets spent on her.The thing that annoys me is the credit card, and the car loan. I would like to be paying 500 a month at my car loan, but I cant see that happening without dipping into what I save every month unless I pay off the credit card. Which now has me wondering, should I use some of the excess savings to simply pay off the 2600 I owe on my credit card right away? Or would it be better for me to make larger lump sum payments on it per month? say 870 each month until January? Or would it be smarter to wait until the beginning of next year and see where my tax return is to help make this decision?  <response>: Pay off the CC debt now. 