If your not so cheap why don't you cover my ST expense this year?
I have a household income of $90,000. But I have a mortgage, student loans, one car payment, rising fuel prices, $5,000 in credit card debt, $200 a month into savings for 2 kids' college educations, and $400 a month into my IRA. My priorities are to pay off my debt quickly. I will hope to have all my debt paid off in three years, and my mortgage paid off in 9.
Until then, $350 for ST is one month of my IRA contribution. That can compound into $10000 over the course of 30 years. If gas wasn't so much I would pull the trigger like I did last year. Last year our monthly fuel expenses were $180 a month. This last month it was $410. I don't know about you, but I want to retire while I can still enjoy it. The way a lot of folks live their lives today, I am going to be laughing when I am 58 and retired and everyone else my age has another 8-10 years until they can. I'll sacrifice now for what I can have later!