I'm not facing any interest issues with my credit. Nothing significant. This is the highest my CC debt has ever been because I splurged a bit on Christmas gifts for family. I'm going to aggressively attack it in January. Putting $1500 on it tomorrow.

A part of me wanted to zero it all out with my savings, but that would delay the purchase of a car by a few months. I don't need a car asap, but I need one soon. I can see an argument for both options, but realistically, which is better?

>The two options you have are not "500/month new vehicle or $3000 beater" -- you are choosing not to see the options inbetween.

Honestly, after all I've seen of the used car market this past week, none of it feels worth it. I'd be paying minimum $350 a month for 6+ year old cars that have flaws. I recognize $500 is high, but everything is high for cars right now. 3 year old used cars are as or more expensive than brand new cars. Same exact make/model.

I don't want to finance a car that will require a lot of maintenance. I don't want to deal with for-cash craig's list vehicles (which would be the cheapest solution) given the sketchy nature.