Debt and Credit

I’ve received three different scenarios from a lender and I don’t know how to evaluate them to see which one is best for me. Do you have any tips or websites that would be helpful?

For this reason or another, at the end of the month, I always seem to have spent my entire paycheck. What are some tips to help me get better at putting money away?

What is the best strategy here? Thank you!

I’m 40 years old and just received $50,000 in inheritance. I want to save and/or invest it for my retirement instead of paying off credit cards (2 cards totaling $15,000), but obviously I need to take take of my debt too. I make enough money to put about $1,500 per month towards cards the two cards. What’s the best strategy here?

Multiple payments per month, ect?