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Old Financial Habits Die Hard…

by

I was driving home from work last night when I noticed a new billboard. The local credit union was advertising car loan rates starting at 2.9% and suggested all motorists finance or refinance vehicles into their ‘great low rate’.

‘Hmm. Maybe I should consider refinancing this baby’ I thought as I tapped the steering wheel of my Mazda. ‘What am I paying now? 5.9%?’ I wondered.

I kept repeating the name of the credit union in my head over the next few miles until I remembered one fairly important fact…

We paid off my car two years ago when we decided to change our lives to become debt free.

I am so used to paying payments for everything in my life that not having a payment is still a foreign concept. I still smile when I remember… that payment is GONE!!! It was a nice ride home.


3 Comments

  • Reply Erin |

    NOT having a car payment is one of the greatest feelings in the world. 🙂

  • Reply V |

    “I am so used to paying payments for everything in my life that not having a payment is still a foreign concept.”
    Ha, I am a first gen immigrant to the US and if you completely reverse that statement, then that’s exactly what I feel. Having any payment other than monthly utility bills makes me uncomfortable :).

  • Reply Jos |

    Congratulation Beks, you belong to the exclusive club of “Debt Free” American that comprise less than 5% of USA.Forget the credit union no interest is always much better that 2.9%.

So, what do you think ?