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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