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Ah, well, it sounds like the car is a good thing to keep, after all. :-) It sounds like you're on top of things, as well, with a budget and stuff. I think allienic had good advice, to snowball the car payment before the remaining cards, since it's at a higher interest rate, and also the part about maybe paying some to your parents.

I don't know if your parents are like mine, but if I get a loan from my mother, the only way to pay her back is to make payments to her credit card and stuff like that. We make a $100 payment to her credit card every month we can, and she hasn't noticed it yet. (Though with my DH getting paid intermittently, she probably hasn't had a steady pattern to look at, LOL.)

Good luck and stay warm!

--Booa (glad you liked the Lola Beltran)
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