, I didn't overdue it.  In other words, I erred on the side of debt reidctuon (and hoped that maintenance needs would be minimal.  Beyond the most basic budget items, I put every extra dollar towards debt reidctuon, but I was very, very intense and focused.So, to recap In the budget   gas, oil change, tire rotations Emergecny fund   new tire, insurance deductibleI think that it is important to think about the details, but I don't think it's possible to fine-tune our budgets enough to cover  every eventuality'.  Budget for gas and oil, have a decent emergency fund, and then snowball away!
Sure you can, as long as you are disciplined. I tnersferad mine to 2.9 fom 7.9.  The advisor there panicing is correct but if you have the discipline to not be late then you are ok.Dont use that credit card, they always pay the lower debt first letting the higher rate accumalate.Make sure the 0% is not just intro but for the length of the loan. You usually can negotiate on cards with 0 balance if you call them.MAKRE SURE YOU HAVE A 0 BALANCE ON THE CARD AND DONT USE IT< TREAT IT LIKE A SIGNATURE LOAN
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