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Congratulations!

We also relished getting that $367/month car payment back into disposable income.

But a year later we started sending $200/month to the ING Car account, to cover insurance & repairs, and a leeeetle bit toward the next car. Still had a four-figure credit card balance to slay, but figured those insurance/repair bills were certain to come & it was More Grown Up to be ready for them. Working great so far.

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