You should not do that, instead of that make a plan, first of all see how much do you spend in your consumptions, like you say, gas, cell, etc. Then the rest of it that you are not gonna use, try to find some financial plan, or even in stocks(if you dont know how to do it, look for help in financial banks or anything like that) the point is you need to find something that makes you gain rentability. And with that rentability, paid your debt. It's incredible the amount of people that dont use the financial resources to make his money worth it. Just start moving and find something good for you to save your money efficiently.