[boefixepa]

Certainly not a bad thing to do, but you continued to be frustrated by things like this if you don't start planning for them now....promise, been there...done it. The debt will not be gone before many, many of these little 'common emergencies' pop up. Then all you will be is frustrated at your wife/child/self because your debt payoff plan that month is frustrated. You will get there, you are on the right path, but you didn't get where you are in six months, so you can't get out of it in six months. But putting off needed repairs, (which will save you money in the long run, like oil changes) or not going to the dentist (a cavity repair just became a root canal) because it's not in the budget is really not going to save you money in the long run.

It feel nice to pay off debt....yes of course...woohoo!! But it's even nicer not to go further into debt when something comes up. And it fells great to have 500 sitting there to change the belts when 60 K rolls around!