I think you should consider establishing a financial plan that funds all your spending. I follow a plan Dave Ramsey teaches that has a prioritized order.
1. Save 1000 for EF.
2. Payoff all consumer debt. (In your case, the car)
3. Build EF to 3 to 6 months.
4. Invest 15% of income into Roth's etc.
5. invest in 529's for college.
6. Pay extra on mortgage.
In your plan you should have a fund for cars and other consumer debt so that you do not borrow to buy them. Hope this helps.
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