I buy chicken on sale.

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Sometimes it is whole chickens sometimes pieces. I then roast them and wait till they are cool and shred them. Put the shredded chicken in a pan with some canned roasted tomatoes and taco seasoning and cook down. You can keep the chicken in a crock pot so it stays warm. When you go to serve have some shredded lettuce, tomatoes, refried black beans, sour cream and some cheese. I do it with the mini taco shells they come in a pack of 24 and since it is going to be a potluck 1 or 2 should do a person or you can bring tortillas chips and they can make their own chicken nachos.

Great job

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on getting it paid down and saving a sinking fund! One thing youcould do, is leave the sinking fund be until you only have $4000 to pay off then dump it on it. That way, you have cash for repairs if necessary while you are still making payments, and $1000 plus the snowball for that month should you have a big repair. I agree you don’t need a replacement fund until you’re out of babystep 2 if you have a decent vehicle already. I also love that it will free up your payment to make progress on other things.