As of this morning, I am debt free, at least for now. I sent in a check to pay off my 0% car loan, due to all of the red tape surrounding getting the loan and car just in my new (former) name. I am lucky to have been able to do this, I am keenly aware.
Next step? continue to tally on a monthly basis, for these monthly payments that in effect, I prepaid. I do not view this move as creating less of a cash outlay in my monthly budget.
In addition, I will continue to live on the frugal path that I have chosen, saving every penny possible to afford to purchase my next, although modest, home. Odds are that I won't be able to stay in this town, I am eyeballing listings in a town where I used to teach, which should have much lower taxes as there is alot of commercial business vs where I have been living since '90.
Now, if only mortgage interest rates would remain at 3.5% until I am ready to buy!