Well semi contrary to my last post I have opened an additional on line account. I found that FNBO Direct is offering 6.00% until 9/28. As soon as all the paperwork and misc is done I will move my car fund over there. Since that account is just going to be added to for the near future it can just sit and mak a few bucks extra.

May is also a 3 paycheck month for me so I will be able to plump up all my accounts and reduce the cc debt quite nicely as well. I am hoping I can pay off the 1st visa by the end of the year. I will be a stretch but I think I can do it. As soon as the cc are paid off I will roll that money to the car fund for a few months to have a healthy down payment.