Hi! I know paying more for your car is a good idea because you can pay it off faster but if the 550 is not set to be going towards your principal just pay the 476. I do the same thing when I pay more for my car but honestly the more money you pay the more goes your interest instead of the principal. Cut out the coffee, now this is a hard one because I know we need our coffee and cut out the eating out. Shop only if you need to really need something new. We don’t have to follow every trend there is, that’s another 200 you can save. If you cut those out you can save $574