- Put it in my savings account for my trip to Japan next September, or
- Pay off my 18TB HDD (900 bucks) and get rid of all the upcoming installments ($100/month), or
- Other
Either way, my monthly balance stays the same, I think. I’m really bad with money. 💀
I suspect paying off the installment loan is your best bet, unless it a 0% apr loan, or there are penalties for early repayment. If that is the case, your best bet is to put the $1k in a 12 month certificate of deposit (a CD), which will get you a higher interest rate and remove a lot of the temptation to spend it early.