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Originally Posted by b4freedom
$185.42 is less then $185.60. Pay it off now.
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Considering how little the difference is between the options, I think I'd rather pay it over time even if it ends up costing me a few more dollars just for cash flow purposes. Plus, are we running the numbers at 5%. As we all know, 5.15% is already the top rate on money markets. And rather than leaving the whole $3500 in a MMA, I could put half in a 1-year CD now at 5.68% to kick up the interest slightly.
Thanks for the input.