My mother finally paid me the $200 I let her borrow back in January. I was thinking of going ahead now and paying off Balt Phys. I posted in my earlier post today that I would put off paying ahead my car insurance. Now I'm really convinced that I should simply because when I let her borrow the money I wasn't totally expecting to get it back. (valuable lesson learned lol) So the money technically in my mind has been spent and gone so to speak. So I think I'm going to just go ahead and pay off the $280 that I owe them. I don't simply think It will make since to sit that $200 back into my saving account when I can dump it onto my next debt on my snowball and pay it off a month sooner. So this month I should be tackling Verizon and Balt Phy WOOHOOO