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No. of Recommendations: 2
Actually, how about returning the dryer and not buying a new one for a while, until you can afford it? People live perfectly well without owning their own washer and dryer. I do. And with a washer, it's even easier. You can hang up clothes to dry. You can take them to the laundromat to dry.

I would not wipe out your efund. What'll you do next month when something breaks and you could have pulled $178.92 out of your efund to pay for it, but it's not there? You'll charge it again. Better to nip this habit in the bud.

I think there are two ways to approach this. Either,

a) just look at it as another credit card debt, and refigure your snowball, adding it into the calculations (remembering the expiration date of the 0%, of course!)

OR

b) begin redirecting your home repair budget to it over the next months. If that won't pay it all off by the end of the 0%, then figure out how to cut back in other budget areas to accomodate it. (And perhaps think about setting aside a larger amount for home repairs every month).
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