Thursday, June 23, 2016

Voting by My Actions

So, even though we need to focus on savings and adding money to our 2016 IRA (in 2015 we saved nothing in our IRAs), I find myself doubling up my monthly payments for my nused car (purchased in December of 2015).

Why am I doing so?  Well, we paid off Mr. Sam's 2013 truck in full as of last month.  That means that I have an extra $500 a month.  So, rather than using that $500 for savings I sent it off to Chase for my auto loan.  I'd frankly be better off putting that $500 towards our linger credit card debt (now down to $1195).

So why do I make these choices?  I much prefer killing debt than saving money.  Now don't get me wrong I love saving money and watching the balances grow in our retirement accounts.  But, I seem to get more satisfaction paying off debt.  I also am not a fan of car loans.  I'd prefer to pay cash for cars, but over the course of 2013-2015 we found ourselves buying a new truck for Mr. Sam and a nused car for me.  I seem to dislike car debt more than credit car debt, etc.

5 comments:

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Mrs Sharon Sim said...

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Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

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Patricia Carter said...

I agree paying off debts first is a better option then wondering if you should pay he debt from saving and be done with it.
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