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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Also, in the future don't buy a car with a $350/mo payment when you are $25k in the hole.[/quote]

It's not. It was $240, but when I got an additional $100 with the tax cut, I plowed that into my car payment. In fact, the original payment was just $235, but I've ratcheted it up a tad.[/quote]

There's no way the car payment had equivalent interest rates to the credit cards. If that's how you think, I agree with everyone recommending snowballing. 
As for college, put your oxygen mask on first, then get to the kids. [/quote]

I'm not, you're fixating on something that's really not relevant. The question at hand is how you would you spend an additional $700/month. [/quote]

It is relevant in that it demonstrates your mindset and lack of financial knowledge.  You got a $100 extra per month and wanted to put it towards debt (which is good) but plowed it towards what I am confident is you lowest cost debt (which is . . . not).  [/quote]

NP.  I agree - the entire post demonstrates lack of financial knowledge.  Just the title itself, "spending your car payment" demonstrates this.  As opposed to saying "help me pay off my high-interest credit cards", "help me budget", you're still in the "spend, spend, spend" mindset. [/quote]

FU. Don't lecture me about things as useless as word usage. I came here seeking feedback on how to best use a soon-to-be monthly windfall, for lack of better word, and to those that provided it, it's been a benefit and I thank them for it.

Would a person lacking so-called financial knowledge be thinking 2-3 steps ahead in situations such as these?

You have no clue about my spending habits and are woefully wrong to presume I have a spend, spend, spend mindset. I'd love to show you the holes in my pants and shirts to prove it. 
[/quote]

The fact that you consider not having a car payment a windfall is another example.  [/quote]

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