<prompt> Human: Hello all. Im a 22 years old, currently with 4k in the bank. I have no investments currently, I make about 25k a year. I currently have 4 credit cards. A guitar center card paid off, I applied for and used it during a 24 month no interest promotion Im an autheorized user on my mother kohls card Ive been meaning to remove myself from this account however, they constantly mis report to the credit agencies that the card is maxed when it is actually paid off, a visa platinum card through my bank 1k limit, 11 apr and a citi costco card 5k limit, first 7 months no interest financing, after that its 15.9. 4 cash back on gas, 3 percent on eligible resturants world wide, 2 on costco purchases, 1 on everything else. Rebate check comes in once a year in february.According to creditKarama Im aware this is not accurate as it istands my vantage score, not fico Im sitting at 720. The only card with used funds on it is the visa platinum, and its only 60.Im trying to think about my nessecaities I need right now, and I cant really think of anything. Ive been having issues with my car since I bought it 2004 eclipse gs and its currently at the shop. I trust my mechanic and hes always done work for me below book rates, allows me to supply my own parts, and will often do small jobs for free he flushed my radiator at no cost, i used to work right next to him, he did work for my boss and wed do work for him, but it is a small shop. He doesnt have very many new tools or state of the art equipment. He also only takes cash. I could take my car to the mechanic my work uses. He has rave reviews all around town and hes best friends with my new boss, but he is expensive some quotes I have gotten in the past are 350 for a starter replacement, 1000 for timing belt replacement but he does take credit. My mechanic is suggesting that I replace my oil pump soon, its stock and my car has 160k, mostly highway its been driven across the country 4 times. Many of the parts are stock still actually. So, I could take it there, replace many stock parts, and put it on the cars. Im assuming this will max it out though.Another idea I have is I need to replace the top on my car. Someone slashed it and theres about a 9 inch hole in the top. Quote I have gotten for it range from 1-1.5k and two days of labor, so no car for two days. Im leaning towards this because it absolutely destroys and respect value the car has, and then maybe just buying or financing something else. It would be easier to pay off and my car would be in the shop for a shorter period of time. My third idea is I would like to have a computer. This is obviously the more fun option, but the cheapest as well. I know I could build a moderate gaminghome everything pc for no more than 1000 including peripherals and microsoft. Or do I go with the 4th option, and not spend anyrhing at all? The 7 months began yesterday.My rent is 300 a month, I spend about 150 a month on food, my gas is about 60 a month, I spend 40 a month to box, 12 a month on laundry, 40 a month for Internet, 10 for netflix. I usually bring home 2000 a week. 12 hour, usually some OT, plus per diem pay  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hello all. Im a 22 years old, currently with 4k in the bank. I have no investments currently, I make about 25k a year. I currently have 4 credit cards. A guitar center card paid off, I applied for and used it during a 24 month no interest promotion Im an autheorized user on my mother kohls card Ive been meaning to remove myself from this account however, they constantly mis report to the credit agencies that the card is maxed when it is actually paid off, a visa platinum card through my bank 1k limit, 11 apr and a citi costco card 5k limit, first 7 months no interest financing, after that its 15.9. 4 cash back on gas, 3 percent on eligible resturants world wide, 2 on costco purchases, 1 on everything else. Rebate check comes in once a year in february. According to creditKarama Im aware this is not accurate as it istands my vantage score, not fico Im sitting at 720. The only card with used funds on it is the visa platinum, and its only 60. Im trying to think about my nessecaities I need right now, and I cant really think of anything. Ive been having issues with my car since I bought it 2004 eclipse gs and its currently at the shop. I trust my mechanic and hes always done work for me below book rates, allows me to supply my own parts, and will often do small jobs for free he flushed my radiator at no cost, i used to work right next to him, he did work for my boss and wed do work for him, but it is a small shop. He doesnt have very many new tools or state of the art equipment. He also only takes cash. I could take my car to the mechanic my work uses. He has rave reviews all around town and hes best friends with my new boss, but he is expensive some quotes I have gotten in the past are 350 for a starter replacement, 1000 for timing belt replacement but he does take credit. My mechanic is suggesting that I replace my oil pump soon, its stock and my car has 160k, mostly highway its been driven across the country 4 times. Many of the parts are stock still actually. So, I could take it there, replace many stock parts, and put it on the cars. Im assuming this will max it out though. Another idea I have is I need to replace the top on my car. Someone slashed it and theres about a 9 inch hole in the top. Quote I have gotten for it range from 1-1.5k and two days of labor, so no car for two days. Im leaning towards this because it absolutely destroys and respect value the car has, and then maybe just buying or financing something else. It would be easier to pay off and my car would be in the shop for a shorter period of time. My third idea is I would like to have a computer. This is obviously the more fun option, but the cheapest as well. I know I could build a moderate gaminghome everything pc for no more than 1000 including peripherals and microsoft. Or do I go with the 4th option, and not spend anyrhing at all? The 7 months began yesterday. My rent is 300 a month, I spend about 150 a month on food, my gas is about 60 a month, I spend 40 a month to box, 12 a month on laundry, 40 a month for Internet, 10 for netflix. I usually bring home 2000 a week. 12 hour, usually some OT, plus per diem pay---I am a bot. Contact pentium4borg with any feedback. 