- Car Insurance- Done. i got the $1,213.00
- Auto Loan- broke $12,000 total debt marker a month early (yes!)
- Emigrant Retirement- remained on hold to contribute more to the auto loan.
----->By December '07 i want to put $2,500.00 (the 200 a month plus interest) that was supposed to go in here but was rather defered to the auto loan. That way i "loose" nothing by paying the car off sooner.
- ING Direct CD- It's up december 14th... then it moves to Emigrant
----->This will be used to go toward the "retirement money" that i am "short" since i'm paying for my auto loan first and contributing second to retirement.( See Post here:http://ambellamy-womaninred.blogspot.com/2006/11/yeah-yeah-yeah.html)
-----> The approximate -$725.68 i'll be short is now reduced to -$325.68. (i can't contribute more towards moving out until i get this -$325.68) The only way i get this money is by paying off the car sooner (that way future overtime is freed up and so is less money going toward interest payments)
- Moving Out- nothing as planned for this month. Christmas shopping prevailed... and i'm done.
-----> The problem here would be the fact that i need to get around $4,000 to move out (first, last, security deposit, and 2 months emergency rent incase i get fired) and currently I only have $10.02 put towards this.... and i'm only planning a small 30 bucks a month until the car is paid off.... but then after the car is paid off i have to "catch up" on retirement... then i can save for this
Number wise... all of this doesn't add up... but if push comes to shove i can "use" the retirement as the 2 month back up since that money is supposed to be in a savings account anyways and the girls i'm moving in with will consider this acceptable collateral... BUT that will leave me with $2,000.00 i still need to get.... (i'm gonna get cleaver soon with my money, that's for sure) The faster the car is paid off... the faster i get that negative 325.68 retirement money ... the faster i get more move out cash!
- BofA Savings (short term)- nothing since i paid off the car insurance
-----> after i'm done seeing what's in my checking account after everything settles from Christmas shopping and the like, anything over 500 bucks will be put in here... goal is 1,000.00 (if i'm under 500 bucks in checking, i'll take money out of here because 500 is my checking account zero marker).
- Tuition- I put the refund from my school here. the new balance is $2,831.03. This will be used for books and further school costs.
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