history: I've saved up enough money to pay off all of my car payments in one fell swoop next month. I'm so pleased with myself right now.  I saved up enough money to make all of my car payments at once next month.
current: That's very good. It takes a disciplined person to save money
next: Heh, well I didn't exactly save money that mush.  I just hunkered down and started working harder and asked for more hours.