I couldn't make up my mind if I wanted to go ahead and pay my car off today since I have checks in the mail coming to me or if I should wait until they actually come in. Well I finally decided to do it....

Then I stopped in this morning to pay my car insurance, which I was going to put on my credit card because it wouldn't be due until November. I could just pay it off at my leisure.

Well something was wrong with the system, and they couldn't take credit, only check. So I had to use every penny of my car money, and $250 of my cushion to float the difference.

So the good news is, I don't owe anything on my credit card. The bad news is, it's going to take me a while to build back up my cushion and save another $500 for the car payment.

Oh well. I'm hoping after my checks come in, I will be able to still pay it off in September. And it does feel good not to have the car insurance money hanging on the credit card. Baby steps.

This week I have spent more than I should.

My best friend came home and we went out, twice.

Yesterday I took a couple ladies to visit another friend that lives a couple hours away to see her new apartment. At the last minute they asked me to drive because I had a smaller car (to save on gas). It cost over $25 in gas to get there. They did not offer to help pay, and I did not bring it up. So of course it saved them on gas! lol. I hate to be nit picky about small stuff like that, but all I can think about is the $25 that wont be going to my EF this week.

Now comes my dilemma. I need to put $75 a week into my EF.

I have about $150 on my credit card right now. Not due until middle of Feb. I will be adding probably $50 more this week to it for normal expenses such as gas.

I like to pay off my credit card every week or at least down as low as I can, just to stay on top of it. I dont want a huge bill due at the end of the month.

After bills this week I will have around $160 left.

Should I put $75 in my EF, and just pay down $85 on the credit card?

Should I put $50 in my EF, and pay down $110 on my credit card?

Should I pay off my credit card asap and put only $10 in EF?

Option 2 sounds better because I hate having a balance on my credit card. But if I want to keep up with my saving goals, every time I cut back the amount I deposit, I will have to catch it up another week and that is hard!

So I think savings should come first.

What do you do? How do you chose between savings, and delaying debt payment for a little while longer? Do you pay your credit card in full every paycheck and just put your extra in savings? Or does saving come first?