I'm going to ask a question, if anyone is reading this and would like to throw their 2 cents I would appreciate it, but understand that I still make the final decision. I loved January because it was a 5 week pay month, so I get to get ahead on my bills. I got paid today for the last time in January and I paid everything I had for January and it seems that I have an extra 200 dollars. I have 3 options and spending it on myself is not one of them.
1.) I can put it all to my little Student loan which is where I originally said I wanted to focus. Mind you I have paid so much extra on this there is no longer a minimum payment and the interest rate is 3.75%, but it won't pay it off completely so I don't feel as I will get as much satisfaction from it.
2.) I can pay almost completely the Doctor bill I have I owe them 325.98 and I could give them almost $300 and then pay off the rest next month and snowball the 40 dollars a month I was going to give them to something else. Mind you this is a doctor bill that I made an agreement with to pay $40 a month and has no interest at all.
3.) I can pay $250 to the tires/battery and only owe 130. This is an emergency account my husband and I set up for things like this, we still have a descent amount of money in it, but I borrowed from it and I'm going to pay it back. This has no interest, my husband said I can take a year if need be to pay it back, and we have a good amount in there so if another emergency comes up we won't struggle. I am giving this $20 a month so I will still be stuck with it for awhile even if I give that the money.
I'm really considering option 1 or 2, and I think I am leaning towards option 2 only cause I would love to free up that money $40 which can be put towards my student loan or tire/battery. I think I already made my decision but I would love to hear other opinions on this. Anyone???? Until next time.......