Budget and Account Balances:
- I spent $6.00 something on food while i was up there so i went over by $1.00 or so for the month of december, but Mo drove up there so i didn't spend anything on gas! (i offered to give him money but he declined.) I had 53.80 left in gas so half of that i going to auto main and tags, and the other half is going to vegas fun... woot. woot.
--BANK OF AMERICA SAVINGS: Balance $676.10
--ING ACCOUNTS: (i'm estimating the interest because its so close to the end of the month anyways and i'm bored at work and want to update everything before the new year)
- Vegas Fund: [deposited $26.90] Balance: $27.90 Since gas right now is over budgeted because of the price dip and my changing college schedule, half the money left over at the end of the month is going towards plan tickets, food, and fun money for my 21st birthday trip to vegas!!!!
- Car Maintance and Auto Tags: [deposited $26.90] Balance: $27.90 I'll need $70 bucks or so for the next 5,000 mile check-up according to the lovely people in the service department. After that i need around $300 for my tags, but they don't expire till march. When i find out how much they are, i'll re-do the budget for the following year to include this expense in insurance payment.
- Odds and Ends: [deposited $0.00] Balance: $1.18 This money is the remaining cash from my monthly allowance for grocery and basic necessities. Incase i need to go over one month, i can pull extra $$$$ from here. When i move out, if this has a sizeable amount to it, then i will go ahead and use it to buy things i need for my new place when i move.
- Car Insurance: [deposited $0.00] Balance: $1.00
--EMIGRANT ACCOUNTS: (i'm estimating the interest because its so close to the end of the month anyways and i'm bored at work and want to update everything before the new year)
- Moving Out: Balance $40.19
- Retirement: Balance $1,408.96
- Tuition: Balance $2896.84
My Auto Loan:
- Retail Payoff Amount: $9,911.45 Good Through Date: 01/08/2007 I officially have single digit debt!!!!!!!!!!
Break Down: [balance at the end of the month assuming monthly payments of $1,156]
- WAS----------------------------------------> NOW
- December $10,040.24----------------------> $9,911.45
- January $8,953.27--------------------------> $8,823.59
- February $7,858.82------------------------->$7,728.26
- March $6,756.85---------------------------->$6,625.40
- April $5,647.30------------------------------>$5,514.95
- May $4,530.13------------------------------> $4,396.87
- June $3,405.27------------------------------> $3,271.10
- July $2,272.68-------------------------------> $2,137.59
- Aug $1,132.31--------------------------------> $996.29
- Sept $0.00----------------------------------->$0.00 [last payment amount 1003.14]
Therefore, Retirement:[as of now i need $2091.04 more to meet my '07 goal]
- Sept $152.86-------------need $1938.18
- Oct $1156----------------need $782.18
- Nov $1156---------------met! [373.82 left for moving out]
- Dec $1156---------------moving out cash
-------> moving out fund 40.19 + $30 a month for 12 months = 400.19
- I should have my 1,000 emergency fund funded by March with 36.10 left over... plus 9 months of $90 payments gives me another $810
- 2 extra paychecks about 1600 together
36.10+810+ 400.19+ 373.82+ 1156+ 1600=
$4376.07 for moving out!!!!!! on Jan 1st 2008
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