Boy, I wish I didn't have my car payment. If I didn't I could be putting extra on my house payment. My other car was nothing but a lemon. Everytime I turned around I had it in the shop. The final straw was when the engine was going out and it was going to cost me $4,000 to get and enging and it had 80,000 miles on it and no warranty. So I finally got rid of the car. The only bad thing is that I paid off the car a year early and the only debt I had was my mortgage. Now I have to start all over again. Am three nmonths ahead on my car payment, but I still have about two in-a-half more years to go on it. They put me on a payment plan for five years to pay off the car, but no way I'm I going to be in debt to this car for five years. This is what makes me very frugal about what I buy. Sometimes I get a little discouraged that every dime I have I put on this car. I do put in my EF first just in case Mr. Murphy comes along and put money in my 401k. Started late planning my retirement fund so I have to make up for it or otherwise I would be putting that money on my car. The day I pay off this car is when I will feel really free.