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Babs | Should I pay off the car early to save on intrest or put the money in saving for a rainy day? |
If I pay the car off early I will also save on insurance. Maybe I should use some of my savings to get it done even faster. 5.0% on the car loan and money that we will save for full coverage on the car. Then I can put the car payment into the saving acct. to rebuild the saving. |
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Dionysos Pint
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Pay off the car. Interest paid is more than interest from savings, so you'll end up saving in the long run. |
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Jason G
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If your car interest is only 5.0% I would NOT pay it off. You can and will earn around 5 to 5.5% on CDs alone. Also in case something happens you have the money.
What you can do is double up on payments. Instead of sending in 300 monthly send in 600. Do not change your agreement, just send in the extra money. This will take a HUGE amount off the interest you pay expecially as the first few payments are interest only. |
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chey_one
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I will always recommend paying off debts as fast as possible.
You certainly should have a savings account with a balance to take care of unforeseen needs, but aside from that - pay it off.
One statement you made that no one else has addressed is the statement you made concerning the amount you save by not needing full coverage insurance.
This I would not encourage. Depending on the age of your auto of course.
but - think of it this way --- it would be a 2 way loss without full coverage insurance. 1) if the auto were totaled - you would receive anything to go toward another auto 2) you would still have to get another auto. Therefore you are out the value of the car twice.
Consider keeping the full coverage insurance. |
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mikah_smiles
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First, save up about three months worth of expenses so if you lose your job suddenly, you'll be covered for three months. This money is for emergencies only. Do not touch! Then just put the majority of the money into the loans first and foremost. Just put a little away into savings for a rainy day. Once the loan is paid off, start saving money for other things, like a deposit on a house, etc. |
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karen n
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it depends where you're at in the payments. the amount you pay toward Interest is higher at the start of the loan then at the end of a loan since it is based on a percentage of the principle loan amount. If you are on the last year of your loan I would suggest you put the money in the bank, in a cd that will yield a higher intererst rate for your money than a regular account. At the end of the loan your car payment is going more towards the principle than the interest. Whereas at the begininng the car payment is going more toward interest than the payment. |
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arklatexrat
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Do you have ANY emergency fund? Most budget counselors will tell you to have $3K at least in emergency fund before you start paying off stuff just in case. Like what would happen if the day after you paid it off, the engine fell out? Would you be able to pay to fix it?
After you have the emergency fund in place your plan makes perfect sense! |
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19G30
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If the interest on your car is higher than the interest on your savings then it is a good idea. |
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frogskin13
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When you pay loans off early many times you will be charged a penalty for doing so by the bank.
I would suggest keeping the loan and placing your lump of cash into an investment. The stock market averages 8% returns per year giving you a 3% profit over your loan, provided you get the average 8%. |
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Ms Angel
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Sounds like you already know what to do. And yes I think it would be best to pay off the car first and then you won't owe a cent. Thats the good part in life is when you purchase something and you know it's yours and the banks/credit unions etc don't own it. It's all yours |
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Timeflo
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I'd pay the car off early. That way, after it's paid off, you can take the money you were using on the car payment and put that away for savings. |
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Michael m
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Pay off the car early! Make double or tripple payments if you can. Having a car paid for is better than making payments and paying interest. Consider this, when the car's paid off, you can take the usual car payment dollars and save that. |
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melz87
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i recently financed a car two days ago, without knowing anything about buying cars, i really wanted to pay a car cash with $8000- $10,000 the sales people were tellin me that i wouldnt get anything nice for that price, so they told me to use the $8000 as a dwn payment, and finance the rest, its an 08 altima for $16,000 which everyone told me it was over priced, then with the taxes and exte warranty it came ou to be around $19,000, they charged me a 26% interest rate, im lost and dont know what to do, and they gave me 66 months to pay it off for $325, but in 66 months i will be paying around $30,000 for the car $10,000 in interest.... i feel so depressed for this purchase, i feel like they used my ignorance to get my money.. please reply asap should i triple my payments to pay it off sooner, idk i just want to pay it off before i have to pay all that interest |
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