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@nixfifty No i haven’t gone about that . I felt if im a year or two out is it worth going for ye reckon ?

@jmueller Thanks for the info . Banks at the 4x is decent enough, on my own would be more a struggle. House values in the city are 200k+ for decent shape in decent estates , with needed renovations. Outside the city seeing ones from 130k up . We are flexible with the commute time to 20 mins or...

@sola1517 Thank you for the feedback , yeah clearing the debt of the loan would definitely benefit me in the long run , and if i do manage to double pay the loan each month id half my repayment time

@faithoverfear I think at the moment , we are still split finances so ill see if i can clear it on my own before getting gifted .

@singdong I would sell the car only it is one of the few possessions i value . Its something I planned on owning for about 3 years before pulling the trigger and buying it and plan on owning it 10 years + . Its the daily for the time to come

@singdong No overdraft , but will have the car loan gone asap . Ideally putting extra 200 over payment starting in the new year. I figured it will need to be gone to avoid hassle .

@marcelino99conrad Ideally we are looking for a place just scarcity at the moment

@marcelino99conrad Thank you , I will get to stage one where i am at the choice of paying it off entirely and work from there . Thank you. Mostly good position due to renting a fairly crappy room in a house for 360 a month . Would it be better to hold out there rather than take a hit of 600+ rent

@christopherus I would sell the car only it is one of the few possessions i value . Its something I planned on owning for about 3 years before pulling the trigger and buying it and plan on owning it 10 years + . Its the daily for the time to come. Its one of the few things i wouldnt sell , id...

@marcelino99conrad Thats very fair point , ill save a bit more so it doesn’t feel like im cleaning out the account 😅. But i do get the attachment which will be difficult to let go of

My own situation: Area : Near Waterford city ( within 20 mins of the city) currently renting a room . Age : 26 Current income: 45k (not including overtime) Savings : 13k , about 1k current value in investments Debt: car loan , 14k paying off as a priority. Overtime: currently being used to pay...