Or look into refinancing. 14.4 percent is a lot to pay on a car loan. See if you can possibly get that bumped down. Are you a member of a credit union or could you join one? They are frequently willing to offer loans with better terms/rates.
Especially with the housing market being depressed right now, I would not plan to buy a home with no downpayment. This means that you have no wiggle room if you lose your job and cant make the payments and the house has lost value. If you have equity in the house you can sell at a loss if you really have to.
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