Frisky Dingo

If I'm attacking my favorite backroad- I like hard rock or electronic music. For highway driving- reggae or mellow alt rock. For in-town, windows-down crusing- hip-hop or indie punk/alt. I'm a man of many tastes. 

Fiesta/Focus ST, Civic Si, Golf GTI.

In that order.

I'm going to go the opposite route and say pay more like you have been doing. For a few reasons.

One, you never know when your driving needs may change. With a 22K payoff, you have little to no equity currently. If you can afford it, the higher payment will help you get into a position of equity quicker, should you need to trade your current car in or sell it for any reason.

Two, the more used to making a higher payment you are, the easier it is to swallow when you upgrade and get a vehicle that may have a higher payment than your current one. It's kind of a nice primer to getting something more expensive in the future.

Three, that little extra money won't affect your monthly budget hardly any, while over time, it will have a considerable affect on your payoff.

Just my .02

Hey everyone, count me among the number of MT posters who are fed up with the software and trolling.

I work in the auto industry (have for 8 years) and have pretty much loved cars (and bikes, planes, pretty much anything that you go fast in or on) since before kindergarten. I'm a really big GM, BMW, and Porsche fan, but I'm open-minded and just love cars in general.

I've owned Audi, VW, Honda, Pontiac, Jeep, Nissan, Dodge, Chrysler, Chevy, Hyundai, and currently own a 1994 BMW 318i, a 2005 Scion xB, and just traded my 2009 335i for a 2014 4Runner Trail Edition. I've tracked and/or driven hard virtually every sports car I've owned, and even some that weren't sports cars.  

I look forward to becoming a part of the community here and sharing in mine and others' car knowledge. Cheers!