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Opinions?: stepbystep
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Opinions?

July 27th, 2007 at 04:17 pm

So a few posts ago I mentioned that one of my debts was looking really ugly. So I pulled some of my savings together to address it, mustered up a tiny scrap of courage and called them.

Luckily, the brass knuckle squad was having a coffee break, because I got a nice lady on the phone. She told me I should send in the payment for the amount due right now, but that the late fees would be billed to me later on -- typically, that takes them at least 6 weeks.

So I'm wondering what my best course of action is with the extra $$ I have at hand. Note: this is extra for now -- I will have to pay it later, but by that time I will have earned the money back.

Should I:

1. Pay down (not enough $$ to pay off) another debt?
2. Put the money back in the DebtSucks fund and continue on current plans?
3. Put an early deposit in the untouchable e-Fund?

At the least, it needs to be moved from checking, immediately. Otherwise I will spend it. I'm not that disciplined yet to leave it alone when it's so accessible.

edited -- I've decided to add to the e-fund (as it's currently beneath what I'd like it to be.)

3 Responses to “Opinions?”

  1. Carolina Bound Says:

    If your e-fund is already well-funded, I would put it on another debt.

  2. baselle Says:

    Emergency fund, if you haven't gotten it to $1000 yet. Your emergency fund is earning a little bit of interest, yes? 4.5% isn't great (ING), but the bump in interest will cheer you up a little.

  3. annab Says:

    Those are good points -- I have decided to add to the e-fund; and reassess my budget at my next pay to see if I have any extra that I can snowflake to debt.

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