How has the pandemic affected NYC's night life the past few years? And What's the best neighborhood/borough for night owls such as myself?

If you can make a smaller CC payment right now, do it. And forget about the savings account for now. Get the much-needed repair done first, THEN worry about getting out of debt, THEN you can focus on saving.

Kid, you shouldn't be stating the school you go to out on the internet like this. You could get stalkers.