# Financial Advice \*poll\* **URL:** \ **Category:** PittSpeed Off Topic\ **Created:** [September 15, 2005, 3:48pm UTC](https://forums.speedlife.net/t/financial-advice-poll/177074 "2005-09-15T15:48:51Z")\ **Posts on this page:** 6\ **Page:** 3
**Author:** ![BlkP42E](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blkp42e/32/5938_2.png) [@BlkP42E](https://forums.speedlife.net/u/BlkP42E)\ **Post date:** [September 16, 2005, 10:11pm UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/41 "2005-09-16T22:11:56Z")
my car payment is set up like a credit card i think. paying off early does me no good. it is through CItizen’s automobile finance ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [September 16, 2005, 10:19pm UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/42 "2005-09-16T22:19:33Z")
pay off debt to avoid paying any interest at all. Take money you WOULD have spent on your bills plus a little more and put it in a savings account and dont touch it. Watch it build until you are ready to get a house. If you can put $500/month into an account, you’ll have $6,000 saved in a year which is plenty down payment for a house. Plus when you finally have a mortgage to pay, you wont have to worry about a CC and car payment sapping up your monthly income. You arent looking to put money away to buy a house in 10 years, you’re gonna want to do it soon so nothing is really gonna give you much of a return in a year. The best “return” you can get is not having to spend it on interest. As Ben Franklin so wisely noted, “a penny saved is a penny earned”. ---
**Author:** ![BlkP42E](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blkp42e/32/5938_2.png) [@BlkP42E](https://forums.speedlife.net/u/BlkP42E)\ **Post date:** [September 16, 2005, 10:26pm UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/43 "2005-09-16T22:26:20Z")
im really thinking about doing the car and credit card payoff and putting $300-$400 a paycheck into a savings account. Should leave me PLENTY to live decently off while still at home ---
**Author:** ![Darkstar](https://avatars.discourse-cdn.com/v4/letter/d/b487fb/32.png) [@Darkstar](https://forums.speedlife.net/u/Darkstar)\ **Post date:** [September 16, 2005, 10:35pm UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/44 "2005-09-16T22:35:04Z")
> [@BlkP42E](#): > > im really thinking about doing the car and credit card payoff and putting $300-$400 a paycheck into a savings account. > > Should leave me PLENTY to live decently off while still at home Darkstar FTW! ---
**Author:** ![Pewter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/pewter/32/5936_2.png) [@Pewter](https://forums.speedlife.net/u/Pewter)\ **Post date:** [September 17, 2005, 4:46am UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/45 "2005-09-17T04:46:04Z")
> [@BlkP42E](#): > > im really thinking about doing the car and credit card payoff and putting $300-$400 a paycheck into a savings account. > > Should leave me PLENTY to live decently off while still at home thats what i say ---
**Author:** ![Quik](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/quik/32/5979_2.png) [@Quik](https://forums.speedlife.net/u/Quik)\ **Post date:** [September 17, 2005, 6:03am UTC](https://forums.speedlife.net/t/financial-advice-poll/177074/46 "2005-09-17T06:03:38Z")
also remember your time at the job. wait to your at the job over a year before stepping into a house payment. pay off bills and save [Previous page](https://forums.speedlife.net/t/financial-advice-poll/177074.md?page=2)