i just got a promotion that starts in a few weeks. i will make about $500 more, net, per month. which is where the extra will come from. and i could pay off the cards entirely in a few days. the reason i hadnt was the advice of my loan officer who said i shouldnt. but here the consensus clearly is that zero is better, on all cards, all the time. which makes sense to me. and i was just reading that a 20 to 25% downpayment was just fine. i guess i'll have to ask my bank. but i dont have a problem paying them off, at all. i do agree, tho, i need to thouroughly figure out how much i can save. perhaps it will take 18months.
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