<prompt> Human: I work two jobs in n out barber . I currently owe about 10,000 in credit cards best buy, american express, nordstrom I make decent money. I want to pay off my credit cards so that i can start saving and keep all my money for myself, instead of just working to pay off the credit cards. Any suggestions what credit cards i should pay off with huge amounts of money first? and tips on how to save money efficiently and effectively?  <response>: What on earth did you buy for 10k in a year?Work at paying the ones off with the highest interest first. Pay on all of the them on time so you dont pay any late fees. And of course, stop using them. 