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Hi ems79,

Thanks for all your thoughts/info. Some good points brought to light, others I guess I just needed to be reinforced in my head - like the small amount I'd actually be saving monthly on car ins.

RE: IRA/401k - this was a 401k when I left the company back in 1998 and they allowed me to let it sit for a while. I then rolled it over to an IRA - at the time I could not afford to pay the taxes up front for a ROTH.

The interest on the Care Credit is deferred for 6-12 months (depending on amount and plan the office has). I have several of those going right now which amount to about $75/month - just paid off a big one in May. The point on the CC interest is that if I default/stop paying it is around 29% and goes back to the initial date of transaction. I have $42 left on a balance due in July and then $122 due in Aug. If I default on either of those I have to pay all that BACK interest, which I just can't do - and sleep at night. After that I have several smaller more manageable ones due. I will probably have to put her euthanasia on it. She is diabetic and I am getting some help with those expenses via a program - thank goodness for the community!
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