You have some spare €s in hand – what should you do with it? Invest it in something that would give you the highest return. You can pay off part of your debt given the very low interest rates on bank accounts today – focus on those loans or credits with the highest interest rates.  First, however, set up a Rainy Day Fund – so that you have some reserves which you can dip in when an unexpected expenditure occurs – like replacing your car’s clutch.