Board 8 > Money question

(+) Yeah! (+)

I'm in a situation.

I live with my parents (and I'm way too old for that), as well as my sister and her kids. I've been saving money for over a year to make a down payment on something or another. I still don't have enough to make a reasonable payment.

I also have a lot of debt. I've got a credit card I've been paying down, and I've got student loans that are coming due.

I've been dividing my paychecks so that I put $100 towards my home savings ($200/month), $300 towards my student loans ($600/month), and the remainder towards my credit card. I figure that my student loans will run about $600/month when they're all going (sometime in January), but until last paycheck I've been setting aside a bit for the loans that are due and throwing the rest at the non-capitalized interest.

Last paycheck, I started wondering if it was the best use of my money to just throw the available money at the student loan interest and thought that maybe I should use it to attack my credit card or boost my finances so I can get a home. I sat on the money in indecision, and now it's this paycheck.

There was also an incident with my sister, in addition to her being a horrible person in general. I have a bad feeling that something is going to happen if I don't move out soon. Maybe it's paranoia.

I've played with the numbers, but I'm not really sure which way to go with this. I've provided some options in a poll. What would any of you do with the money if you were in my situation? (PS: Don't ever get in my situation.)

Go gambling
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Make an option where you give it to me.
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Credit card it is. Thanks, everyone.

You should be paying the minimum on your student loans, and as much as possible to your credit card. Assuming it has the highest interest rate.

Saving for a down payment (...on a house?!) should be nothing.
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