reconfiguration of auto payments + budget??????

In the event that i'm taken off my mom's insurance... my car payments will need to be adjusted. Based on the balance i owe now... these are the following stats if i pay 1126.00 a month

Balance ($)
11233.48 JAN
10184.70 FEB
9128.72 MAR
8065.47 APR
6994.92 MAY
5917.00 JUN
4831.68 JUL
3738.89 AUG
2638.59 SEPT
1530.73 OCT
415.25 NOV
0.00 DEC

it would take a year... and i would only add 1836.75 to my retirement by the end of the year....

the new budget would look like this:
Necessities 50
Food 150
Net 10
Cell 50
Gas 200
Car Insur. 144
Long term savings: 30
Short Term Savings: 90
Fun:50
Offering: 50
Car payment 1126.00 plus overtime....


I hate having everything change when i had a concrete plan...... grrrrrr stupid mother....