Resolved Question: Should we pay off debts now or pay them off over time?
Resolved Question: Should we pay off debts now or pay them off over time?
Me and my husband have been married for 8 years. We have 1 son, and I am pregnant with twin girls that are due in late november.
We completed a partial DITY move (for those of you who are civilian DITY=Do It Yourself). We're expecting about $4500.00 back after taxes. I want to use all of the DITY move money, to pay off some bills that we have. Paying them off will free up about $400.00 a month. My husband just wants to pay only part of them off, and save the rest for a down payment for a new car for me and our kids.
Our 1 months advance pay is going to be paid off in September, and that will free up $189.00 a month. The loan with the Navy Marine Corp Relief Society, will be paid off in March, and that will free up another $110.00 a month. My husbands credit card with Capital One will be paid off next February, with our tax return. The rest of our tax return is going to help pay off his Military Star Card.
I have to admit we're careless, and put ourselves into a lot of debt. We've been slowly been digging ourselves out. My husband is deploying to Bahrain next March. He will be receiving per diem, while he's deployed. He lives very frugally while on deployment. We have agreed that with the excess per diem money, I want him to apply that to our consolidation loan, and his military star card. We can be 100% debt free by the beginning of next summer.
I am doing medical billing and coding from home. I completed my first month, and I made $1200.00 (after taxes). 80% of it is going toward the new car. The rest we're using for our monthly household expenses.
So what should we do with the DITY move money? Should we immediately pay off some bills (my idea) or should we only pay off part of them, and save the rest for a down payment for a new car?
P.S. I did forget to mention that we do have a small amount of money in a separate account for "just in case" money. There is about $1100 in there right now.
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