Holy cow!! I just had an epiphany five seconds ago. I can pay off my consumer loan in its entirety... today.
I've been trying to force myself to save up for tax season next year. I'm horrible at putting aside 1/3 of my check willingly. On top of that, moving to Reno ate up ALL my savings and accrued credit card debt, which I've since paid off. And my job here is 100% freelance, whereas in San Francisco I was only doing maybe 10% freelance work.
So anyway, I've been putting off paying off my debt. But if I take advantage of my tax situation, I can blast through my credit card and consumer loan, and instead of paying five months of interest on those debts, I can put that money into saving for taxes.
Duh. Everybody says to just pay those babies off before doing anything else, but I never really took that advice to heart before. I was too worried about saving, and thus, I never had any savings... for some reason...
Anyway, sorry to ramble. I'm going to go deposit this thing and brag to my family about it!