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		 For me it was always easy to buy the little things that aren't all too expensive but hard to save for those big ticket items.  And a house is the biggest.  Sounds like you have a good start saved on a down payment to the house and that's the road I'd choose to put my money aside for.  You have a car, a new one is a luxury, not a necessity. You are probably rented your place to live because you do not own -- better to built equity in your home rather than built up someone else equity in their home. 
		
		
		
		
		
			
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				I've yet to dephile myself...
			 
		
		
		
		
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