I need some advice from you guys

Income: RM4,000
Car Loan: RM200/month
Rental: RM400/month
Utilities: RM200/month
Credit Card: RM5.7K ( Will settle in 3 months time )

My scenario:-
1. All the extra money go into paying credit card
2. After settle cc debt i'm gonna start saving RM15k emergency fund
3. I do not have EPF or whatsoever investment fund, should I contribute EPF? if so how much should I put in monthly? ( 23 this year btw )
4. What other investment can I make with my money?

This post has been edited by WhoIsKenneth: Jan 5 2011, 04:55 PM