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What's the best use for this money? Its only a small amount but can make a big difference to me
First and foremost, it's about changing habits.  It seems like you've learned a painful lesson with the car financing.  That's a good start.  I'd work on developing the habit of making a budget every month before you spend a penny. As for this money, I would pay off the Apple loan and put the rest in savings.  Then pay off the entire credit card balance the month before the rate increases. The point of putting the money in savings is not about making the small amount of interest.  You need to get in the habit of having money in an emergency fund and paying for unexpected emergencies out of that, not just throwing it on a credit card.  Ideally, budget over the next few months to pay off the credit card out of your income, not out of savings.