I guess I'm baffled as to why a showerhead wouldn't just come out of the regular budget. While you don't have to go with a cheap showerhead, they also aren't that expensive.

My advice ... put it all into savings.

Then adjust your withholding so you get back far less next year and give yourself an extra $200 a month in your pockets! Use that money to help pay down your debt.

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"I've been rich and I've been poor but independently wealthy is where it is at."

Put some in savings and use the rest towards the debt.