Advice plssss🙏😘

I'm in my early 20's, graduated college and working 2 jobs rn, one full time one part time. I have $12,000 saved up and am living at home helping my parents with some bills while saving. I have an old old car that's currently in the 200,000 mile range, which I'm scared will break down on me anyday 😭 I make about $1400 ish a month after taxes..I know not alot. And I paid off $6000 in student loans with just another $6000 left, but thanks to covid no interest is being added on yet.

Pls help give me advice if I am in a good financial place at my age and how to better it, i.e investing or anything bc the money is just sitting in my savings rn and I feel like I'm not doing enough 😩😭

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candycane · 31-35, F

Id pay off all depts keep the car if its running good and save again

Crushedstrawberries · 22-25, F

@candycane yes it's still good thankfully I'm not in need of anything super nice, just something to get me to and from work everyday. I was going to pay off the rest of my loans but since interest isnt being added rn shkuldnt I wait incase i need that extra $6000?

candycane · 31-35, F

@Crushedstrawberries is your car paid off

Crushedstrawberries · 22-25, F

@candycane yes, it's an older car and was a gift from my cousins who had no use for it anymore

candycane · 31-35, F

@Crushedstrawberries me id pay that 6000 off get it out the way keep thst car toll it starts costing money and just save save save

Crushedstrawberries · 22-25, F

@candycane okay thank you! Yes I plan to pay it off once interest begins being added onto the current balance already. I hate debt, but I'm also looking to get a credit card since my credit score is just okay rn

candycane · 31-35, F

@Crushedstrawberries credit cards have high interest and u spend more cause easy access to money