Paulo Almeida

Paulo Almeida, drummer/percussionist, arranger, composer

Multi-instrumentalist, arranger/composer, music educator.

So close.... Do I go for it?

I’m so close. I’ve been focusing so hard at paying off my debt. All I have left is my student loans. I owe $2,800 right now. I have more than that in my savings. A good portion of that is for the taxes that I’m expected to pay at the end of this year for my teaching gig that does not take taxes out of my checks. I could easily pay this debt off right now even though I would temporarily have nothing in my savings any more. On the other hand, I could potentially get all that money back in my savings account in a month or so, so then I would just be back to where I am now minus the debt. I’m kind of torn about it. Not sure why. I feel like I should be careful and I’m already so close that it’s not a big deal if I don’t do it right this moment….. But it seems like it would be something that would be great to finish before the end of the year just so I can start this next year with a fresh start. Debt-free and on my way to figure out what to do next. Just need to save 6 months expenses and I’ll be ready to give to more charity and to get more into investing. What do I do!?!?