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since you will have the money in savings to do so, you would be slightly richer in the longer run b/c you didnt pay all that interest. My theory of course would ruin your thoughts of getting an S30, but you could have savings back to normal by august just by savings what would have been your credit card payment. As for having 6 months savings for a rainy day, you'd get there a bit faster this way, but if you needed money in the time being there is always the credit card :)
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