Core Insights - The 27-year-old Canadian is facing a financial decision between paying off debt and saving for a house, with CA$1,500 in savings, CA$11,000 in credit card debt at 12% APR, and a CA$4,000 car loan at 7.99% APR [1][3] Debt Management - Reddit users strongly advised prioritizing debt repayment, particularly the high-interest credit card debt, to avoid accumulating more interest [2][3] - The credit card debt has a significantly higher APR compared to the auto loan, making it more critical to pay off first to minimize interest accumulation [3] Financial Strategy - Commenters suggested that the individual should not start saving for a house until the debt is managed, as the 12% interest on the credit card debt exceeds average market growth [4] - Reducing expenses and potentially taking on a side gig were recommended as strategies to accelerate debt repayment [4][5] Side Income Opportunities - The individual is already engaged in freelancing, earning an additional CA$1,000 per month, which can aid in paying off debt [5] - Side gigs can be temporary solutions until the debt is cleared, with some individuals transitioning them into full-time work [6] Future Home Purchase - After clearing the credit card and auto loan debts, the individual will still need time to save for a home, especially considering the typical requirement of a 20% down payment [7]