My credit score just went up 11 points (737). No alerts so I would guess dropping balances, etc.
Build emergency fund to 6 mo expenses - 57.2% (Up 2.2%)
Pay off car - 13.5% (Up 3.3%)
Pay off student loan - 5.9% (Up .3%)
I did apply to refinance my car loan. A local credit union is having a "loan sale" this weekend with rates as low as 3.95%. I haven't heard anything yet so we'll see. The minimum amount is 10,000 and my balance is a little over 9,000. That might disqualify me, guess I don't know what "new money" means. My rate is pretty reasonable but I'm early into my loan and if I can drop it 3 points and no fees, I will.. If I've done my calculations correctly that's nearly $1,000 in savings over the term.
Ooh, and I also filed my returns and expect a gift to myself Friday from fed. Don't know when the state will be returning my money.
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