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Down Doobie do Down Down

January 18th, 2013 at 09:18 pm

So today is payday and the first thing I did this morning was to pay $2609.14 to the Evil Empire. This brings the BoA VISA card down to $2000 even. All of the autopays for this month have gone through now except one that will be $120, so VISA amount payoff will actually be $2120. That brings total credit card debt down to $7100.

After my final payment of $2000 next week the BoA card will be paid off and will only be used for autopays and DH's plane tickets, hotels, and travel food.

Then the only card we will have left is the Chase VISA, with $5100 left on it and it has a 0% interest rate through the end of 2013.

Money Out this Payday:

$2609.14 BoA VISA payment
__125.00 Half year dues
___44.87 Old House phone for security system
___72.00 Water/Sewer (Old House) to the Holding Tank
___72.56 Internet
___37.68 Garbage
__100.00 Emergency Fund
__135.00 Paying Back the Mac Book Fund
___45.00 Allowances
__300.00 Farm money for meats
__100.00 Miscellaneous (toiletries, OTC medicine)
---------------
$3641.29

The Emergency Fund now sits at $1670. I am $30 short of my January goal, but that should be no problem to meet.

Today's check was 3420.49. I already had money saved for the dues, the garbage, and the water/sewer. I also had some money left from last week.

After paying everything I will have $146.59. $90 of that will go to physical therapy on Friday, so really $56.59 until next payday.

The plan so far for next Friday is $2120 to the BoA to pay it off, $200 to the Vacation Fund, $100 to the property tax fund, $570 to the Mortgage, $100 to the propane fund and $200 to the Mac Book fund.

February 1st will be the start of the new Budget Template and I am setting up a spreadsheet for that to let me know where I'll go from there.

Posted in Goals, , Spending Journal, Paying the Bills, Bringing Down the Evil Empire, Is Budget a Four Letter Word?, Laptop Fund, Emergency Fund/Coin Jar | 5 Comments »

5 Responses to “Down Doobie do Down Down”

  1. creditcardfree Says:
    January 18th, 2013 at 10:16 pm 1358547377
    1358547377

    Congrats on less debt!!

  2. Petunia 100 Says:
    January 19th, 2013 at 12:15 am 1358554511
    1358554511

    You're sooooo close! Smile

  3. FrugalTexan75 Says:
    January 19th, 2013 at 02:53 am 1358563990
    1358563990

    Almost there!

  4. MonkeyMama Says:
    January 19th, 2013 at 04:15 am 1358568933
    1358568933

    Awesome!!

  5. payday loan help Says:
    January 23rd, 2013 at 03:10 pm 1358953811
    1358953811

    I was in debt for over 6 months and was living from one payday loan to another. I couldn't take it anymore. I learned about consolidating my loans but was hesitant because i know there are a lot of scams going on. Luckily one day i got a voice mail from Be Free Financial, they left a number and i called them. It was heaven sent for me. I called them and spoke to Summer, she was very helpful and helped me understand what i was getting into. I signed up with their program and look at me know, after 4 months I'm TOTALLY DEBT FREE like what Summer promised. They took care of everything for me. If you are in the same situation as i have been call them at 209-217-0373, they will find a program that would be perfect for you.
    Text is payday loan help and Link is http://www.payday-loan-consolidation.org/
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